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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 | $100,139+26.9% | $85,187+49.2% | $145,884-12.9% |
| Participation rate | 83.3% | 74.1%+9.2pp | 67.5%+15.8pp | 80.3%+3.0pp |
| Annual return | 15.56% | 84.15%-68.6pp | 66.67%-51.1pp | 551.85%-536.3pp |
| Employer contribution / active EE | $5,094 | $3,238+57.3% | $2,732+86.4% | $4,662+9.3% |
| Participant deferral / active EE | $10,520 | $5,296+98.7% | $4,525+132.5% | $6,690+57.3% |
| Admin fee / account holder | $5,992 | $7,262-17.5% | $6,162-2.8% | $13,392-55.3% |