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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 | $213,786 | $111,535+91.7% | $105,223+103.2% | $137,256+55.8% |
| Participation rate | 87.5% | 78.1%+9.4pp | 75.0%+12.5pp | 80.0%+7.5pp |
| Annual return | 15.62% | 237.85%-222.2pp | 180.65%-165.0pp | 220.34%-204.7pp |
| Employer contribution / active EE | $2,706 | $3,939-31.3% | $3,689-26.6% | $4,156-34.9% |
| Participant deferral / active EE | $9,768 | $5,500+77.6% | $5,072+92.6% | $6,407+52.5% |
| Admin fee / account holder | $2,171 | $9,721-77.7% | $8,859-75.5% | $12,270-82.3% |