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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 | $205,661 | $100,203+105.2% | $85,240+141.3% | $145,897+41.0% |
| Participation rate | 87.5% | 74.1%+13.4pp | 67.5%+20.0pp | 80.3%+7.2pp |
| Annual return | 11.96% | 84.28%-72.3pp | 66.75%-54.8pp | 552.29%-540.3pp |
| Employer contribution / active EE | $2,046 | $3,242-36.9% | $2,735-25.2% | $4,663-56.1% |
| Participant deferral / active EE | $5,644 | $5,299+6.5% | $4,527+24.7% | $6,689-15.6% |
| Admin fee / account holder | $903 | $7,265-87.6% | $6,165-85.3% | $13,390-93.3% |