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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 | $118,827 | $148,582-20.0% | $135,942-12.6% | $139,456-14.8% |
| Participation rate | 93.8% | 83.9%+9.9pp | 81.9%+11.8pp | 80.3%+13.4pp |
| Annual return | 17.91% | 79.26%-61.3pp | 68.28%-50.4pp | 373.45%-355.5pp |
| Employer contribution / active EE | $3,284 | $5,245-37.4% | $4,858-32.4% | $4,753-30.9% |
| Participant deferral / active EE | $11,804 | $8,101+45.7% | $7,759+52.1% | $6,711+75.9% |
| Admin fee / account holder | $1,109 | $12,402-91.1% | $10,764-89.7% | $11,407-90.3% |