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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 | $127,058 | $99,921+27.2% | $85,009+49.5% | $145,959-12.9% |
| Participation rate | 83.3% | 74.1%+9.2pp | 67.5%+15.8pp | 80.3%+3.0pp |
| Annual return | 15.56% | 83.89%-68.3pp | 66.47%-50.9pp | 561.95%-546.4pp |
| Employer contribution / active EE | $5,094 | $3,233+57.6% | $2,728+86.7% | $4,661+9.3% |
| Participant deferral / active EE | $10,520 | $5,293+98.8% | $4,522+132.7% | $6,689+57.3% |
| Admin fee / account holder | $5,992 | $7,252-17.4% | $6,153-2.6% | $13,398-55.3% |