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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 | $98,045 | $90,614+8.2% | $76,089+28.9% | $145,877-32.8% |
| Participation rate | 83.3% | 74.5%+8.8pp | 69.1%+14.2pp | 80.3%+3.0pp |
| Annual return | 11.28% | 623.80%-612.5pp | 360.94%-349.7pp | 551.28%-540.0pp |
| Employer contribution / active EE | $2,912 | $3,324-12.4% | $2,690+8.3% | $4,663-37.5% |
| Participant deferral / active EE | $7,910 | $5,168+53.0% | $4,259+85.7% | $6,691+18.2% |
| Admin fee / account holder | $599 | $8,376-92.8% | $6,418-90.7% | $13,402-95.5% |