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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 | $127,456 | $115,810+10.1% | $101,271+25.9% | $158,966-19.8% |
| Participation rate | 79.2% | 79.4%-0.2pp | 75.8%+3.4pp | 82.0%-2.8pp |
| Annual return | 24.40% | 56.15%-31.7pp | 46.48%-22.1pp | 302.95%-278.5pp |
| Employer contribution / active EE | $3,213 | $4,175-23.0% | $3,660-12.2% | $4,762-32.5% |
| Participant deferral / active EE | $7,972 | $4,958+60.8% | $4,371+82.4% | $5,983+33.2% |
| Admin fee / account holder | $1,645 | $7,248-77.3% | $5,948-72.3% | $11,250-85.4% |