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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 | $172,316 | $109,967+56.7% | $97,197+77.3% | $145,877+18.1% |
| Participation rate | 94.1% | 76.0%+18.2pp | 72.7%+21.4pp | 80.3%+13.8pp |
| Annual return | 16.54% | 244.27%-227.7pp | 75.47%-58.9pp | 551.28%-534.7pp |
| Employer contribution / active EE | $2,171 | $3,077-29.4% | $2,723-20.3% | $4,663-53.4% |
| Participant deferral / active EE | $4,291 | $4,676-8.2% | $4,263+0.6% | $6,691-35.9% |
| Admin fee / account holder | $1,760 | $6,199-71.6% | $5,637-68.8% | $13,402-86.9% |