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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 | $66,380 | $160,070-58.5% | $147,117-54.9% | $145,897-54.5% |
| Participation rate | 95.7% | 84.0%+11.6pp | 82.2%+13.5pp | 80.3%+15.3pp |
| Annual return | 15.98% | 98.69%-82.7pp | 420.54%-404.6pp | 552.29%-536.3pp |
| Employer contribution / active EE | $5,639 | $5,285+6.7% | $4,932+14.3% | $4,663+20.9% |
| Participant deferral / active EE | $12,802 | $8,419+52.1% | $8,065+58.7% | $6,689+91.4% |
| Admin fee / account holder | $11,903 | $15,035-20.8% | $12,993-8.4% | $13,390-11.1% |