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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 | $42,025 | $196,972-78.7% | $182,262-76.9% | $198,609-78.8% |
| Participation rate | 94.1% | 85.7%+8.4pp | 84.2%+9.9pp | 82.4%+11.7pp |
| Annual return | 18.57% | 158.27%-139.7pp | 140.60%-122.0pp | 202.70%-184.1pp |
| Employer contribution / active EE | $3,063 | $5,364-42.9% | $5,046-39.3% | $5,055-39.4% |
| Participant deferral / active EE | $5,460 | $8,643-36.8% | $8,276-34.0% | $6,977-21.7% |
| Admin fee / account holder | $825 | $18,429-95.5% | $16,712-95.1% | $19,030-95.7% |