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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 | $128,480 | $111,535+15.2% | $105,223+22.1% | $137,256-6.4% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 80.0%+20.0pp |
| Annual return | 14.76% | 237.85%-223.1pp | 180.65%-165.9pp | 220.34%-205.6pp |
| Employer contribution / active EE | $2,434 | $3,939-38.2% | $3,689-34.0% | $4,156-41.4% |
| Participant deferral / active EE | $10,099 | $5,500+83.6% | $5,072+99.1% | $6,407+57.6% |
| Admin fee / account holder | $3,141 | $9,721-67.7% | $8,859-64.5% | $12,270-74.4% |