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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 | $123,082 | $185,312-33.6% | $161,489-23.8% | $154,746-20.5% |
| Participation rate | 92.3% | 82.5%+9.8pp | 78.7%+13.6pp | 80.7%+11.6pp |
| Annual return | 12.11% | 103.84%-91.7pp | 89.72%-77.6pp | 172.34%-160.2pp |
| Employer contribution / active EE | $11,605 | $4,769+143.3% | $4,268+171.9% | $4,379+165.0% |
| Participant deferral / active EE | $4,309 | $6,350-32.1% | $5,630-23.5% | $6,730-36.0% |
| Admin fee / account holder | $344 | $18,654-98.2% | $16,006-97.9% | $14,365-97.6% |