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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 | $174,080 | $114,119+52.5% | $107,187+62.4% | $138,895+25.3% |
| Participation rate | 95.0% | 78.1%+16.9pp | 75.0%+20.0pp | 79.9%+15.1pp |
| Annual return | 14.79% | 273.21%-258.4pp | 204.55%-189.8pp | 145.39%-130.6pp |
| Employer contribution / active EE | $4,284 | $4,059+5.5% | $3,782+13.3% | $4,194+2.1% |
| Participant deferral / active EE | $8,734 | $5,538+57.7% | $5,096+71.4% | $6,396+36.5% |
| Admin fee / account holder | $18,773 | $10,024+87.3% | $9,162+104.9% | $12,562+49.4% |