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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 | $102,069 | $111,535-8.5% | $105,223-3.0% | $137,256-25.6% |
| Participation rate | 92.3% | 78.1%+14.2pp | 75.0%+17.3pp | 80.0%+12.3pp |
| Annual return | 19.87% | 237.85%-218.0pp | 180.65%-160.8pp | 220.34%-200.5pp |
| Employer contribution / active EE | $4,962 | $3,939+26.0% | $3,689+34.5% | $4,156+19.4% |
| Participant deferral / active EE | $11,830 | $5,500+115.1% | $5,072+133.2% | $6,407+84.6% |
| Admin fee / account holder | $10,375 | $9,721+6.7% | $8,859+17.1% | $12,270-15.4% |