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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 | $46,707 | $217,432-78.5% | $185,849-74.9% | $167,536-72.1% |
| Participation rate | 87.0% | 86.1%+0.9pp | 81.7%+5.2pp | 82.1%+4.8pp |
| Annual return | 9.75% | 148.42%-138.7pp | 122.10%-112.4pp | 478.82%-469.1pp |
| Employer contribution / active EE | $5,649 | $5,875-3.8% | $5,169+9.3% | $4,839+16.7% |
| Participant deferral / active EE | $2,824 | $6,357-55.6% | $5,569-49.3% | $6,342-55.5% |
| Admin fee / account holder | $25,049 | $19,818+26.4% | $16,244+54.2% | $12,315+103.4% |