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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 | $81,136 | $137,414-41.0% | $189,537-57.2% | $85,847-5.5% |
| Participation rate | 97.1% | 84.6%+12.5pp | 87.8%+9.3pp | 69.3%+27.8pp |
| Annual return | 16.99% | 38.14%-21.1pp | 555.34%-538.3pp | 318.61%-301.6pp |
| Employer contribution / active EE | $4,770 | $4,344+9.8% | $6,161-22.6% | $2,565+85.9% |
| Participant deferral / active EE | $9,251 | $6,260+47.8% | $8,220+12.5% | $3,952+134.1% |
| Admin fee / account holder | $10,077 | $8,630+16.8% | $12,048-16.4% | $6,261+61.0% |