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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 | $242,467 | $152,612+58.9% | $125,192+93.7% | $152,897+58.6% |
| Participation rate | 87.5% | 83.3%+4.2pp | 79.8%+7.7pp | 82.5%+5.0pp |
| Annual return | 22.10% | 54.85%-32.7pp | 43.79%-21.7pp | 345.43%-323.3pp |
| Employer contribution / active EE | $8,936 | $4,947+80.6% | $3,866+131.1% | $4,764+87.6% |
| Participant deferral / active EE | $7,052 | $5,868+20.2% | $4,937+42.8% | $5,851+20.5% |
| Admin fee / account holder | $5,001 | $13,437-62.8% | $9,704-48.5% | $11,599-56.9% |