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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $128,169 | $183,516-30.2% | $155,534-17.6% | $145,884-12.1% |
| Participation rate | 90.0% | 82.7%+7.3pp | 78.2%+11.8pp | 80.3%+9.7pp |
| Annual return | 10.99% | 61.43%-50.4pp | 64.92%-53.9pp | 551.85%-540.9pp |
| Employer contribution / active EE | $7,530 | $5,315+41.7% | $4,675+61.1% | $4,662+61.5% |
| Participant deferral / active EE | $6,238 | $6,467-3.5% | $5,630+10.8% | $6,690-6.8% |
| Admin fee / account holder | $3,984 | $19,293-79.4% | $15,900-74.9% | $13,392-70.3% |