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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 | $126,734 | $217,432-41.7% | $185,851-31.8% | $167,553-24.4% |
| Participation rate | 95.2% | 86.1%+9.2pp | 81.7%+13.5pp | 82.1%+13.1pp |
| Annual return | 18.87% | 148.43%-129.6pp | 122.11%-103.2pp | 478.89%-460.0pp |
| Employer contribution / active EE | $9,006 | $5,874+53.3% | $5,168+74.2% | $4,840+86.1% |
| Participant deferral / active EE | $6,385 | $6,357+0.4% | $5,569+14.7% | $6,343+0.7% |
| Admin fee / account holder | $2,113 | $19,820-89.3% | $16,245-87.0% | $12,316-82.8% |