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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 | $40,890 | $148,582-72.5% | $135,942-69.9% | $139,456-70.7% |
| Participation rate | 94.1% | 83.9%+10.3pp | 81.9%+12.2pp | 80.3%+13.8pp |
| Annual return | 82.06% | 79.26%+2.8pp | 68.28%+13.8pp | 373.45%-291.4pp |
| Employer contribution / active EE | $5,450 | $5,245+3.9% | $4,858+12.2% | $4,753+14.7% |
| Participant deferral / active EE | $14,536 | $8,101+79.4% | $7,759+87.4% | $6,711+116.6% |
| Admin fee / account holder | $547 | $12,402-95.6% | $10,764-94.9% | $11,407-95.2% |