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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 | $181,062-32.0% | $158,223-22.2% | $155,188-20.7% |
| Participation rate | 92.3% | 82.7%+9.7pp | 79.2%+13.1pp | 80.8%+11.5pp |
| Annual return | 12.11% | 57.39%-45.3pp | 52.09%-40.0pp | 148.84%-136.7pp |
| Employer contribution / active EE | $11,605 | $4,565+154.2% | $4,109+182.5% | $4,248+173.2% |
| Participant deferral / active EE | $4,309 | $6,134-29.8% | $5,467-21.2% | $6,531-34.0% |
| Admin fee / account holder | $344 | $18,825-98.2% | $16,047-97.9% | $14,480-97.6% |