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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 | $90,530+8.3% | $76,030+29.0% | $145,897-32.8% |
| Participation rate | 83.3% | 74.4%+8.9pp | 69.1%+14.3pp | 80.3%+3.0pp |
| Annual return | 11.28% | 625.08%-613.8pp | 361.54%-350.3pp | 552.29%-541.0pp |
| Employer contribution / active EE | $2,912 | $3,319-12.3% | $2,688+8.4% | $4,663-37.5% |
| Participant deferral / active EE | $7,910 | $5,164+53.2% | $4,257+85.8% | $6,689+18.2% |
| Admin fee / account holder | $599 | $8,383-92.9% | $6,421-90.7% | $13,390-95.5% |