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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 | $76,401 | $183,592-58.4% | $155,574-50.9% | $145,877-47.6% |
| Participation rate | 80.0% | 82.7%-2.7pp | 78.2%+1.8pp | 80.3%-0.3pp |
| Annual return | 16.01% | 61.37%-45.4pp | 64.87%-48.9pp | 551.28%-535.3pp |
| Employer contribution / active EE | $4,977 | $5,317-6.4% | $4,676+6.4% | $4,663+6.7% |
| Participant deferral / active EE | $8,803 | $6,466+36.1% | $5,629+56.4% | $6,691+31.6% |
| Admin fee / account holder | $16,846 | $19,316-12.8% | $15,914+5.9% | $13,402+25.7% |