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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 | $135,310 | $111,535+21.3% | $105,223+28.6% | $137,256-1.4% |
| Participation rate | 88.9% | 78.1%+10.8pp | 75.0%+13.8pp | 80.0%+8.9pp |
| Annual return | 18.71% | 237.85%-219.1pp | 180.65%-161.9pp | 220.34%-201.6pp |
| Employer contribution / active EE | $3,182 | $3,939-19.2% | $3,689-13.7% | $4,156-23.4% |
| Participant deferral / active EE | $12,675 | $5,500+130.5% | $5,072+149.9% | $6,407+97.8% |
| Admin fee / account holder | $831 | $9,721-91.5% | $8,859-90.6% | $12,270-93.2% |