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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 | $115,635 | $183,516-37.0% | $155,534-25.7% | $145,884-20.7% |
| Participation rate | 90.9% | 82.7%+8.2pp | 78.2%+12.7pp | 80.3%+10.6pp |
| Annual return | 10.87% | 61.43%-50.6pp | 64.92%-54.0pp | 551.85%-541.0pp |
| Employer contribution / active EE | $3,237 | $5,315-39.1% | $4,675-30.7% | $4,662-30.6% |
| Participant deferral / active EE | $7,577 | $6,467+17.2% | $5,630+34.6% | $6,690+13.3% |
| Admin fee / account holder | $31,200 | $19,293+61.7% | $15,900+96.2% | $13,392+133.0% |