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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 | $113,765 | $132,099-13.9% | $115,599-1.6% | $138,895-18.1% |
| Participation rate | 93.8% | 77.9%+15.9pp | 74.3%+19.5pp | 79.9%+13.8pp |
| Annual return | 11.38% | 176.76%-165.4pp | 111.10%-99.7pp | 145.39%-134.0pp |
| Employer contribution / active EE | $4,182 | $3,416+22.4% | $2,955+41.5% | $4,194-0.3% |
| Participant deferral / active EE | $4,809 | $5,617-14.4% | $4,889-1.6% | $6,396-24.8% |
| Admin fee / account holder | $15,231 | $15,650-2.7% | $12,841+18.6% | $12,562+21.2% |