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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 | $124,803 | $111,535+11.9% | $105,223+18.6% | $137,256-9.1% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 80.0%+20.0pp |
| Annual return | 33.56% | 237.85%-204.3pp | 180.65%-147.1pp | 220.34%-186.8pp |
| Employer contribution / active EE | $3,903 | $3,939-0.9% | $3,689+5.8% | $4,156-6.1% |
| Participant deferral / active EE | $12,007 | $5,500+118.3% | $5,072+136.7% | $6,407+87.4% |
| Admin fee / account holder | $822 | $9,721-91.5% | $8,859-90.7% | $12,270-93.3% |