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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 | $136,945 | $111,787+22.5% | $93,681+46.2% | $145,978-6.2% |
| Participation rate | 88.9% | 74.2%+14.7pp | 68.7%+20.2pp | 80.3%+8.6pp |
| Annual return | 9.76% | 203.52%-193.8pp | 133.47%-123.7pp | 550.52%-540.8pp |
| Employer contribution / active EE | $3,854 | $3,093+24.6% | $2,422+59.1% | $4,662-17.3% |
| Participant deferral / active EE | $6,411 | $4,918+30.4% | $4,415+45.2% | $6,690-4.2% |
| Admin fee / account holder | $619 | $10,256-94.0% | $8,290-92.5% | $13,400-95.4% |