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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 | $90,715 | $198,457-54.3% | $170,435-46.8% | $147,586-38.5% |
| Participation rate | 95.5% | 88.0%+7.5pp | 83.6%+11.9pp | 82.8%+12.6pp |
| Annual return | 11.60% | 257.30%-245.7pp | 205.94%-194.3pp | 578.59%-567.0pp |
| Employer contribution / active EE | $4,946 | $6,183-20.0% | $5,432-9.0% | $4,876+1.4% |
| Participant deferral / active EE | $3,126 | $5,629-44.5% | $4,939-36.7% | $5,439-42.5% |
| Admin fee / account holder | $18,777 | $16,852+11.4% | $13,881+35.3% | $10,886+72.5% |