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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 | $119,628 | $112,933+5.9% | $90,970+31.5% | $158,982-24.8% |
| Participation rate | 78.6% | 74.7%+3.8pp | 69.0%+9.6pp | 82.0%-3.4pp |
| Annual return | 16.98% | 215.82%-198.8pp | 134.60%-117.6pp | 302.99%-286.0pp |
| Employer contribution / active EE | $3,384 | $2,893+17.0% | $2,122+59.5% | $4,763-29.0% |
| Participant deferral / active EE | $2,649 | $4,128-35.8% | $3,373-21.5% | $5,983-55.7% |
| Admin fee / account holder | $3,941 | $8,047-51.0% | $5,961-33.9% | $11,252-65.0% |