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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 | $143,615 | $129,737+10.7% | $119,126+20.6% | $154,746-7.2% |
| Participation rate | 90.0% | 78.9%+11.1pp | 75.8%+14.2pp | 80.7%+9.3pp |
| Annual return | 11.95% | 379.08%-367.1pp | 282.11%-270.2pp | 172.34%-160.4pp |
| Employer contribution / active EE | $2,717 | $4,375-37.9% | $4,034-32.6% | $4,379-37.9% |
| Participant deferral / active EE | $4,813 | $5,842-17.6% | $5,318-9.5% | $6,730-28.5% |
| Admin fee / account holder | $5,502 | $11,961-54.0% | $10,693-48.5% | $14,365-61.7% |