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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 | $121,320 | $176,105-31.1% | $159,474-23.9% | $167,536-27.6% |
| Participation rate | 90.9% | 85.0%+6.0pp | 82.8%+8.1pp | 82.1%+8.8pp |
| Annual return | 15.82% | 331.91%-316.1pp | 263.68%-247.9pp | 478.82%-463.0pp |
| Employer contribution / active EE | $7,513 | $5,299+41.8% | $4,831+55.5% | $4,839+55.3% |
| Participant deferral / active EE | $11,611 | $7,751+49.8% | $7,353+57.9% | $6,342+83.1% |
| Admin fee / account holder | $7,959 | $12,559-36.6% | $10,802-26.3% | $12,315-35.4% |