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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 | $205,289 | $217,427-5.6% | $185,837+10.5% | $167,518+22.5% |
| Participation rate | 95.2% | 86.0%+9.2pp | 81.7%+13.5pp | 82.1%+13.1pp |
| Annual return | 12.89% | 148.39%-135.5pp | 122.08%-109.2pp | 478.71%-465.8pp |
| Employer contribution / active EE | $3,437 | $5,874-41.5% | $5,168-33.5% | $4,838-29.0% |
| Participant deferral / active EE | $6,803 | $6,357+7.0% | $5,568+22.2% | $6,342+7.3% |
| Admin fee / account holder | $1,323 | $19,816-93.3% | $16,241-91.9% | $12,312-89.3% |