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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 | $230,366 | $109,344+110.7% | $89,400+157.7% | $158,950+44.9% |
| Participation rate | 87.5% | 74.3%+13.2pp | 68.0%+19.5pp | 82.0%+5.5pp |
| Annual return | 18.85% | 345.73%-326.9pp | 245.64%-226.8pp | 302.91%-284.1pp |
| Employer contribution / active EE | $3,298 | $3,170+4.0% | $2,586+27.6% | $4,762-30.7% |
| Participant deferral / active EE | $8,728 | $4,599+89.8% | $3,890+124.4% | $5,983+45.9% |
| Admin fee / account holder | $4,309 | $6,154-30.0% | $4,882-11.7% | $11,248-61.7% |