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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 | $124,452 | $125,184-0.6% | $105,607+17.8% | $145,884-14.7% |
| Participation rate | 94.1% | 77.6%+16.5pp | 75.3%+18.8pp | 80.3%+13.8pp |
| Annual return | 15.87% | 225.00%-209.1pp | 116.11%-100.2pp | 551.85%-536.0pp |
| Employer contribution / active EE | $5,086 | $3,720+36.7% | $3,167+60.6% | $4,662+9.1% |
| Participant deferral / active EE | $11,442 | $5,714+100.3% | $5,011+128.3% | $6,690+71.0% |
| Admin fee / account holder | $640 | $17,133-96.3% | $10,958-94.2% | $13,392-95.2% |