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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 | $100,024 | $105,160-4.9% | $94,679+5.6% | $139,456-28.3% |
| Participation rate | 90.0% | 82.4%+7.6pp | 80.8%+9.2pp | 80.3%+9.7pp |
| Annual return | 18.25% | 38.04%-19.8pp | 156.75%-138.5pp | 373.45%-355.2pp |
| Employer contribution / active EE | $3,583 | $4,107-12.8% | $3,673-2.5% | $4,753-24.6% |
| Participant deferral / active EE | $9,059 | $7,599+19.2% | $7,417+22.1% | $6,711+35.0% |
| Admin fee / account holder | $2,308 | $8,988-74.3% | $7,233-68.1% | $11,407-79.8% |