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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 | $118,116 | $217,427-45.7% | $185,837-36.4% | $167,518-29.5% |
| Participation rate | 95.7% | 86.0%+9.6pp | 81.7%+13.9pp | 82.1%+13.5pp |
| Annual return | 13.75% | 148.39%-134.6pp | 122.08%-108.3pp | 478.71%-465.0pp |
| Employer contribution / active EE | $1,506 | $5,874-74.4% | $5,168-70.9% | $4,838-68.9% |
| Participant deferral / active EE | $3,287 | $6,357-48.3% | $5,568-41.0% | $6,342-48.2% |
| Admin fee / account holder | $1,709 | $19,816-91.4% | $16,241-89.5% | $12,312-86.1% |