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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 | $163,384 | $129,737+25.9% | $119,126+37.2% | $154,746+5.6% |
| Participation rate | 92.9% | 78.9%+14.0pp | 75.8%+17.1pp | 80.7%+12.2pp |
| Annual return | 17.38% | 379.08%-361.7pp | 282.11%-264.7pp | 172.34%-155.0pp |
| Employer contribution / active EE | $2,321 | $4,375-47.0% | $4,034-42.5% | $4,379-47.0% |
| Participant deferral / active EE | $6,184 | $5,842+5.9% | $5,318+16.3% | $6,730-8.1% |
| Admin fee / account holder | $555 | $11,961-95.4% | $10,693-94.8% | $14,365-96.1% |