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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 | $128,428 | $175,259-26.7% | $149,723-14.2% | $139,487-7.9% |
| Participation rate | 94.1% | 83.4%+10.7pp | 78.8%+15.3pp | 80.3%+13.8pp |
| Annual return | 21.93% | 166.82%-144.9pp | 134.50%-112.6pp | 373.84%-351.9pp |
| Employer contribution / active EE | $3,812 | $5,478-30.4% | $4,821-20.9% | $4,755-19.8% |
| Participant deferral / active EE | $8,659 | $6,522+32.8% | $5,682+52.4% | $6,713+29.0% |
| Admin fee / account holder | $16,627 | $16,158+2.9% | $13,215+25.8% | $11,407+45.8% |