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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 | $62,733 | $176,105-64.4% | $159,474-60.7% | $167,536-62.6% |
| Participation rate | 94.7% | 85.0%+9.8pp | 82.8%+11.9pp | 82.1%+12.6pp |
| Annual return | 14.97% | 331.91%-316.9pp | 263.68%-248.7pp | 478.82%-463.8pp |
| Employer contribution / active EE | $4,244 | $5,299-19.9% | $4,831-12.2% | $4,839-12.3% |
| Participant deferral / active EE | $9,612 | $7,751+24.0% | $7,353+30.7% | $6,342+51.6% |
| Admin fee / account holder | $7,964 | $12,559-36.6% | $10,802-26.3% | $12,315-35.3% |