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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 | $147,454 | $198,457-25.7% | $170,435-13.5% | $147,586-0.1% |
| Participation rate | 95.8% | 88.0%+7.9pp | 83.6%+12.2pp | 82.8%+13.0pp |
| Annual return | 15.65% | 257.30%-241.7pp | 205.94%-190.3pp | 578.59%-562.9pp |
| Employer contribution / active EE | $4,621 | $6,183-25.3% | $5,432-14.9% | $4,876-5.2% |
| Participant deferral / active EE | $10,050 | $5,629+78.5% | $4,939+103.5% | $5,439+84.8% |
| Admin fee / account holder | $3,602 | $16,852-78.6% | $13,881-74.1% | $10,886-66.9% |