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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 | $127,747 | $183,539-30.4% | $155,556-17.9% | $145,897-12.4% |
| Participation rate | 94.1% | 82.7%+11.4pp | 78.2%+15.9pp | 80.3%+13.8pp |
| Annual return | 14.52% | 61.31%-46.8pp | 64.84%-50.3pp | 552.29%-537.8pp |
| Employer contribution / active EE | $6,900 | $5,315+29.8% | $4,675+47.6% | $4,663+48.0% |
| Participant deferral / active EE | $7,106 | $6,467+9.9% | $5,631+26.2% | $6,689+6.2% |
| Admin fee / account holder | $4,429 | $19,275-77.0% | $15,885-72.1% | $13,390-66.9% |