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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 | $140,793 | $121,637+15.7% | $104,605+34.6% | $158,931-11.4% |
| Participation rate | 90.9% | 77.5%+13.4pp | 74.1%+16.8pp | 82.0%+8.9pp |
| Annual return | 14.53% | 465.32%-450.8pp | 340.46%-325.9pp | 302.86%-288.3pp |
| Employer contribution / active EE | $9,605 | $3,163+203.6% | $2,681+258.3% | $4,761+101.7% |
| Participant deferral / active EE | $6,532 | $4,177+56.4% | $3,739+74.7% | $5,982+9.2% |
| Admin fee / account holder | $3,617 | $7,788-53.6% | $6,473-44.1% | $11,247-67.8% |