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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 | $129,293 | $115,810+11.6% | $101,271+27.7% | $158,966-18.7% |
| Participation rate | 87.5% | 79.4%+8.1pp | 75.8%+11.7pp | 82.0%+5.5pp |
| Annual return | 19.43% | 56.15%-36.7pp | 46.48%-27.0pp | 302.95%-283.5pp |
| Employer contribution / active EE | $3,063 | $4,175-26.7% | $3,660-16.3% | $4,762-35.7% |
| Participant deferral / active EE | $7,038 | $4,958+41.9% | $4,371+61.0% | $5,983+17.6% |
| Admin fee / account holder | $414 | $7,248-94.3% | $5,948-93.0% | $11,250-96.3% |