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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 | $244,382 | $217,432+12.4% | $185,851+31.5% | $167,553+45.9% |
| Participation rate | 92.3% | 86.1%+6.3pp | 81.7%+10.6pp | 82.1%+10.2pp |
| Annual return | 13.14% | 148.43%-135.3pp | 122.11%-109.0pp | 478.89%-465.8pp |
| Employer contribution / active EE | $2,714 | $5,874-53.8% | $5,168-47.5% | $4,840-43.9% |
| Participant deferral / active EE | $5,763 | $6,357-9.3% | $5,569+3.5% | $6,343-9.1% |
| Admin fee / account holder | $2,436 | $19,820-87.7% | $16,245-85.0% | $12,316-80.2% |