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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 | $237,824 | $134,817+76.4% | $123,973+91.8% | $155,188+53.2% |
| Participation rate | 95.8% | 79.4%+16.4pp | 76.7%+19.2pp | 80.8%+15.0pp |
| Annual return | 18.87% | 515.49%-496.6pp | 388.13%-369.3pp | 148.84%-130.0pp |
| Employer contribution / active EE | $4,289 | $4,425-3.1% | $4,126+4.0% | $4,248+1.0% |
| Participant deferral / active EE | $9,706 | $5,706+70.1% | $5,247+85.0% | $6,531+48.6% |
| Admin fee / account holder | $12,550 | $13,245-5.2% | $11,799+6.4% | $14,480-13.3% |