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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 | $42,568 | $172,111-75.3% | $150,298-71.7% | $137,256-69.0% |
| Participation rate | 95.0% | 81.7%+13.3pp | 77.8%+17.2pp | 80.0%+15.0pp |
| Annual return | 18.11% | 69.37%-51.3pp | 62.79%-44.7pp | 220.34%-202.2pp |
| Employer contribution / active EE | $5,963 | $4,636+28.6% | $4,154+43.6% | $4,156+43.5% |
| Participant deferral / active EE | $3,868 | $6,166-37.3% | $5,453-29.1% | $6,407-39.6% |
| Admin fee / account holder | $2,013 | $16,471-87.8% | $14,116-85.7% | $12,270-83.6% |