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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 | $140,998 | $112,915+24.9% | $90,965+55.0% | $158,950-11.3% |
| Participation rate | 81.8% | 74.7%+7.1pp | 69.0%+12.8pp | 82.0%-0.1pp |
| Annual return | 15.93% | 215.75%-199.8pp | 134.57%-118.6pp | 302.91%-287.0pp |
| Employer contribution / active EE | $2,999 | $2,894+3.6% | $2,122+41.3% | $4,762-37.0% |
| Participant deferral / active EE | $8,876 | $4,128+115.0% | $3,373+163.2% | $5,983+48.4% |
| Admin fee / account holder | $411 | $8,044-94.9% | $5,960-93.1% | $11,248-96.3% |