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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 | $137,883 | $196,972-30.0% | $182,262-24.3% | $198,609-30.6% |
| Participation rate | 86.4% | 85.7%+0.7pp | 84.2%+2.1pp | 82.4%+4.0pp |
| Annual return | 14.51% | 158.27%-143.8pp | 140.60%-126.1pp | 202.70%-188.2pp |
| Employer contribution / active EE | $4,034 | $5,364-24.8% | $5,046-20.1% | $5,055-20.2% |
| Participant deferral / active EE | $11,434 | $8,643+32.3% | $8,276+38.2% | $6,977+63.9% |
| Admin fee / account holder | $11,873 | $18,429-35.6% | $16,712-29.0% | $19,030-37.6% |