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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 | $244,338 | $125,190+95.2% | $105,624+131.3% | $145,897+67.5% |
| Participation rate | 75.0% | 77.6%-2.6pp | 75.3%-0.3pp | 80.3%-5.3pp |
| Annual return | 8.89% | 225.22%-216.3pp | 116.20%-107.3pp | 552.29%-543.4pp |
| Employer contribution / active EE | $3,875 | $3,720+4.2% | $3,168+22.3% | $4,663-16.9% |
| Participant deferral / active EE | $17,568 | $5,716+207.4% | $5,013+250.5% | $6,689+162.6% |
| Admin fee / account holder | $4,147 | $17,138-75.8% | $10,961-62.2% | $13,390-69.0% |