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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 | $75,336 | $129,737-41.9% | $119,126-36.8% | $154,746-51.3% |
| Participation rate | 91.3% | 78.9%+12.5pp | 75.8%+15.5pp | 80.7%+10.6pp |
| Annual return | 17.30% | 379.08%-361.8pp | 282.11%-264.8pp | 172.34%-155.0pp |
| Employer contribution / active EE | $5,906 | $4,375+35.0% | $4,034+46.4% | $4,379+34.9% |
| Participant deferral / active EE | $4,885 | $5,842-16.4% | $5,318-8.1% | $6,730-27.4% |
| Admin fee / account holder | $2,362 | $11,961-80.3% | $10,693-77.9% | $14,365-83.6% |