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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 | $122,406 | $217,427-43.7% | $185,837-34.1% | $167,518-26.9% |
| Participation rate | 93.8% | 86.0%+7.7pp | 81.7%+12.0pp | 82.1%+11.6pp |
| Annual return | 19.27% | 148.39%-129.1pp | 122.08%-102.8pp | 478.71%-459.4pp |
| Employer contribution / active EE | $8,049 | $5,874+37.0% | $5,168+55.7% | $4,838+66.3% |
| Participant deferral / active EE | $5,128 | $6,357-19.3% | $5,568-7.9% | $6,342-19.1% |
| Admin fee / account holder | $18,509 | $19,816-6.6% | $16,241+14.0% | $12,312+50.3% |