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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 | $121,243 | $115,814+4.7% | $101,275+19.7% | $158,982-23.7% |
| Participation rate | 81.3% | 79.4%+1.9pp | 75.8%+5.4pp | 82.0%-0.7pp |
| Annual return | 14.62% | 56.16%-41.5pp | 46.48%-31.9pp | 302.99%-288.4pp |
| Employer contribution / active EE | $3,479 | $4,176-16.7% | $3,660-4.9% | $4,763-26.9% |
| Participant deferral / active EE | $6,186 | $4,958+24.8% | $4,371+41.5% | $5,983+3.4% |
| Admin fee / account holder | $6,678 | $7,249-7.9% | $5,948+12.3% | $11,252-40.6% |