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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 | $83,432 | $148,582-43.8% | $135,942-38.6% | $139,456-40.2% |
| Participation rate | 92.9% | 83.9%+9.0pp | 81.9%+10.9pp | 80.3%+12.5pp |
| Annual return | 17.08% | 79.26%-62.2pp | 68.28%-51.2pp | 373.45%-356.4pp |
| Employer contribution / active EE | $4,362 | $5,245-16.8% | $4,858-10.2% | $4,753-8.2% |
| Participant deferral / active EE | $8,786 | $8,101+8.4% | $7,759+13.2% | $6,711+30.9% |
| Admin fee / account holder | $3,160 | $12,402-74.5% | $10,764-70.6% | $11,407-72.3% |