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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 | $114,443 | $162,136-29.4% | $152,301-24.9% | $154,746-26.0% |
| Participation rate | 95.7% | 84.1%+11.5pp | 82.4%+13.2pp | 80.7%+15.0pp |
| Annual return | 19.81% | 91.02%-71.2pp | 80.50%-60.7pp | 172.34%-152.5pp |
| Employer contribution / active EE | $13,936 | $4,890+185.0% | $4,624+201.4% | $4,379+218.2% |
| Participant deferral / active EE | $3,764 | $8,341-54.9% | $8,004-53.0% | $6,730-44.1% |
| Admin fee / account holder | $11,054 | $15,759-29.9% | $14,398-23.2% | $14,365-23.1% |