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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 | $123,432 | $100,073+23.3% | $85,126+45.0% | $145,877-15.4% |
| Participation rate | 90.0% | 74.1%+15.9pp | 67.5%+22.5pp | 80.3%+9.7pp |
| Annual return | 14.75% | 84.11%-69.4pp | 66.63%-51.9pp | 551.28%-536.5pp |
| Employer contribution / active EE | $3,560 | $3,236+10.0% | $2,731+30.3% | $4,663-23.7% |
| Participant deferral / active EE | $8,450 | $5,294+59.6% | $4,523+86.8% | $6,691+26.3% |
| Admin fee / account holder | $6,493 | $7,261-10.6% | $6,160+5.4% | $13,402-51.6% |