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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 | $59,812 | $129,737-53.9% | $119,126-49.8% | $154,746-61.3% |
| Participation rate | 90.9% | 78.9%+12.1pp | 75.8%+15.1pp | 80.7%+10.2pp |
| Annual return | 16.07% | 379.08%-363.0pp | 282.11%-266.0pp | 172.34%-156.3pp |
| Employer contribution / active EE | $4,638 | $4,375+6.0% | $4,034+15.0% | $4,379+5.9% |
| Participant deferral / active EE | $9,666 | $5,842+65.5% | $5,318+81.8% | $6,730+43.6% |
| Admin fee / account holder | $1,117 | $11,961-90.7% | $10,693-89.6% | $14,365-92.2% |