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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 | $96,021 | $217,432-55.8% | $185,851-48.3% | $167,553-42.7% |
| Participation rate | 92.3% | 86.1%+6.3pp | 81.7%+10.6pp | 82.1%+10.2pp |
| Annual return | 11.86% | 148.43%-136.6pp | 122.11%-110.3pp | 478.89%-467.0pp |
| Employer contribution / active EE | $5,754 | $5,874-2.1% | $5,168+11.3% | $4,840+18.9% |
| Participant deferral / active EE | $6,178 | $6,357-2.8% | $5,569+10.9% | $6,343-2.6% |
| Admin fee / account holder | $3,909 | $19,820-80.3% | $16,245-75.9% | $12,316-68.3% |