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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 | $118,507 | $99,652+18.9% | $78,778+50.4% | $147,586-19.7% |
| Participation rate | 80.0% | 76.2%+3.8pp | 69.2%+10.8pp | 82.8%-2.8pp |
| Annual return | 61.77% | 47.28%+14.5pp | 35.62%+26.2pp | 578.59%-516.8pp |
| Employer contribution / active EE | $1,992 | $2,796-28.8% | $1,986+0.3% | $4,876-59.2% |
| Participant deferral / active EE | $4,066 | $3,664+11.0% | $2,958+37.4% | $5,439-25.2% |
| Admin fee / account holder | $401 | $7,155-94.4% | $5,134-92.2% | $10,886-96.3% |