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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 | $163,335 | $114,119+43.1% | $107,187+52.4% | $138,895+17.6% |
| Participation rate | 90.0% | 78.1%+11.9pp | 75.0%+15.0pp | 79.9%+10.1pp |
| Annual return | 11.33% | 273.21%-261.9pp | 204.55%-193.2pp | 145.39%-134.1pp |
| Employer contribution / active EE | $2,351 | $4,059-42.1% | $3,782-37.8% | $4,194-43.9% |
| Participant deferral / active EE | $4,939 | $5,538-10.8% | $5,096-3.1% | $6,396-22.8% |
| Admin fee / account holder | $12,537 | $10,024+25.1% | $9,162+36.8% | $12,562-0.2% |