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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 | $123,098 | $107,368+14.6% | $92,915+32.5% | $152,909-19.5% |
| Participation rate | 88.2% | 79.8%+8.4pp | 76.0%+12.2pp | 82.5%+5.8pp |
| Annual return | 23.24% | 145.64%-122.4pp | 109.45%-86.2pp | 345.46%-322.2pp |
| Employer contribution / active EE | $2,431 | $4,222-42.4% | $3,653-33.5% | $4,764-49.0% |
| Participant deferral / active EE | $4,324 | $4,848-10.8% | $4,238+2.0% | $5,851-26.1% |
| Admin fee / account holder | $2,314 | $7,082-67.3% | $5,796-60.1% | $11,601-80.1% |