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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 | $117,134 | $112,935+3.7% | $90,970+28.8% | $158,966-26.3% |
| Participation rate | 85.7% | 74.7%+11.0pp | 69.0%+16.7pp | 82.0%+3.8pp |
| Annual return | 16.98% | 215.79%-198.8pp | 134.58%-117.6pp | 302.95%-286.0pp |
| Employer contribution / active EE | $3,137 | $2,895+8.4% | $2,122+47.8% | $4,762-34.1% |
| Participant deferral / active EE | $6,713 | $4,129+62.6% | $3,373+99.0% | $5,983+12.2% |
| Admin fee / account holder | $1,069 | $8,045-86.7% | $5,960-82.1% | $11,250-90.5% |