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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 | $130,086 | $196,972-34.0% | $182,262-28.6% | $198,609-34.5% |
| Participation rate | 91.7% | 85.7%+6.0pp | 84.2%+7.5pp | 82.4%+9.3pp |
| Annual return | 13.81% | 158.27%-144.5pp | 140.60%-126.8pp | 202.70%-188.9pp |
| Employer contribution / active EE | $3,595 | $5,364-33.0% | $5,046-28.8% | $5,055-28.9% |
| Participant deferral / active EE | $9,448 | $8,643+9.3% | $8,276+14.2% | $6,977+35.4% |
| Admin fee / account holder | $671 | $18,429-96.4% | $16,712-96.0% | $19,030-96.5% |