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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 | $118,536 | $105,200+12.7% | $159,474-25.7% | $85,847+38.1% |
| Participation rate | 75.7% | 75.8%-0.1pp | 82.8%-7.1pp | 69.3%+6.4pp |
| Annual return | 18.43% | 45.08%-26.6pp | 263.68%-245.2pp | 318.61%-300.2pp |
| Employer contribution / active EE | $4,668 | $3,319+40.6% | $4,831-3.4% | $2,565+81.9% |
| Participant deferral / active EE | $10,512 | $5,946+76.8% | $7,353+43.0% | $3,952+166.0% |
| Admin fee / account holder | $2,986 | $6,934-56.9% | $10,802-72.4% | $6,261-52.3% |