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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 | $75,620 | $135,645-44.3% | $110,243-31.4% | $135,380-44.1% |
| Participation rate | 95.2% | 83.5%+11.8pp | 79.8%+15.4pp | 82.6%+12.6pp |
| Annual return | 9.78% | 513.24%-503.5pp | 314.76%-305.0pp | 519.81%-510.0pp |
| Employer contribution / active EE | $3,893 | $4,907-20.7% | $3,827+1.7% | $4,779-18.5% |
| Participant deferral / active EE | $5,896 | $5,507+7.1% | $4,672+26.2% | $5,609+5.1% |
| Admin fee / account holder | $3,219 | $11,458-71.9% | $8,548-62.3% | $10,828-70.3% |