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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 | $135,133 | $198,457-31.9% | $170,435-20.7% | $147,586-8.4% |
| Participation rate | 94.4% | 88.0%+6.5pp | 83.6%+10.8pp | 82.8%+11.6pp |
| Annual return | 20.48% | 257.30%-236.8pp | 205.94%-185.5pp | 578.59%-558.1pp |
| Employer contribution / active EE | $3,694 | $6,183-40.3% | $5,432-32.0% | $4,876-24.3% |
| Participant deferral / active EE | $7,148 | $5,629+27.0% | $4,939+44.7% | $5,439+31.4% |
| Admin fee / account holder | $1,102 | $16,852-93.5% | $13,881-92.1% | $10,886-89.9% |