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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 | $105,324 | $154,228-31.7% | $145,433-27.6% | $137,256-23.3% |
| Participation rate | 95.5% | 83.8%+11.7pp | 82.1%+13.3pp | 80.0%+15.5pp |
| Annual return | 13.57% | 74.59%-61.0pp | 66.58%-53.0pp | 220.34%-206.8pp |
| Employer contribution / active EE | $4,108 | $4,804-14.5% | $4,554-9.8% | $4,156-1.2% |
| Participant deferral / active EE | $11,247 | $8,216+36.9% | $7,897+42.4% | $6,407+75.5% |
| Admin fee / account holder | $18,664 | $14,344+30.1% | $13,129+42.2% | $12,270+52.1% |