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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 | $113,699 | $81,358+39.8% | $155,556-26.9% | $80,959+40.4% |
| Participation rate | 80.6% | 66.3%+14.4pp | 78.2%+2.4pp | 67.7%+13.0pp |
| Annual return | 177.97% | 33.39%+144.6pp | 64.84%+113.1pp | 35.67%+142.3pp |
| Employer contribution / active EE | $3,525 | $3,106+13.5% | $4,675-24.6% | $2,757+27.9% |
| Participant deferral / active EE | $3,643 | $3,455+5.4% | $5,631-35.3% | $4,300-15.3% |
| Admin fee / account holder | $452 | $7,994-94.3% | $15,885-97.2% | $6,925-93.5% |