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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 | $208,531 | $157,276+32.6% | $141,177+47.7% | $152,885+36.4% |
| Participation rate | 95.8% | 84.8%+11.0pp | 82.5%+13.4pp | 82.5%+13.4pp |
| Annual return | 19.60% | 64.33%-44.7pp | 71.40%-51.8pp | 345.39%-325.8pp |
| Employer contribution / active EE | $3,341 | $5,262-36.5% | $4,736-29.4% | $4,763-29.8% |
| Participant deferral / active EE | $8,179 | $7,110+15.0% | $6,710+21.9% | $5,851+39.8% |
| Admin fee / account holder | $511 | $12,123-95.8% | $10,263-95.0% | $11,598-95.6% |