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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 | $55,205 | $157,304-64.9% | $141,197-60.9% | $152,909-63.9% |
| Participation rate | 95.5% | 84.8%+10.6pp | 82.5%+13.0pp | 82.5%+13.0pp |
| Annual return | 20.10% | 64.34%-44.2pp | 71.41%-51.3pp | 345.46%-325.4pp |
| Employer contribution / active EE | $4,314 | $5,263-18.0% | $4,736-8.9% | $4,764-9.5% |
| Participant deferral / active EE | $6,988 | $7,111-1.7% | $6,710+4.1% | $5,851+19.4% |
| Admin fee / account holder | $13,005 | $12,126+7.3% | $10,265+26.7% | $11,601+12.1% |