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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 | $139,765 | $183,516-23.8% | $155,534-10.1% | $145,884-4.2% |
| Participation rate | 89.5% | 82.7%+6.8pp | 78.2%+11.3pp | 80.3%+9.2pp |
| Annual return | 12.04% | 61.43%-49.4pp | 64.92%-52.9pp | 551.85%-539.8pp |
| Employer contribution / active EE | $2,886 | $5,315-45.7% | $4,675-38.3% | $4,662-38.1% |
| Participant deferral / active EE | $4,432 | $6,467-31.5% | $5,630-21.3% | $6,690-33.7% |
| Admin fee / account holder | $9,269 | $19,293-52.0% | $15,900-41.7% | $13,392-30.8% |