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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 | $38,242 | $155,555-75.4% | $146,866-74.0% | $155,188-75.4% |
| Participation rate | 94.4% | 84.0%+10.5pp | 82.5%+11.9pp | 80.8%+13.6pp |
| Annual return | 18.15% | 115.41%-97.3pp | 102.85%-84.7pp | 148.84%-130.7pp |
| Employer contribution / active EE | $4,855 | $4,647+4.5% | $4,425+9.7% | $4,248+14.3% |
| Participant deferral / active EE | $9,316 | $8,044+15.8% | $7,759+20.1% | $6,531+42.6% |
| Admin fee / account holder | $4,980 | $14,755-66.3% | $13,620-63.4% | $14,480-65.6% |