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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 | $125,211 | $129,737-3.5% | $119,126+5.1% | $154,746-19.1% |
| Participation rate | 90.0% | 78.9%+11.1pp | 75.8%+14.2pp | 80.7%+9.3pp |
| Annual return | 19.33% | 379.08%-359.7pp | 282.11%-262.8pp | 172.34%-153.0pp |
| Employer contribution / active EE | $4,351 | $4,375-0.6% | $4,034+7.9% | $4,379-0.7% |
| Participant deferral / active EE | $2,701 | $5,842-53.8% | $5,318-49.2% | $6,730-59.9% |
| Admin fee / account holder | $3,727 | $11,961-68.8% | $10,693-65.2% | $14,365-74.1% |