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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 | $100,203+23.2% | $85,240+44.8% | $145,897-15.4% |
| Participation rate | 90.0% | 74.1%+15.9pp | 67.5%+22.5pp | 80.3%+9.7pp |
| Annual return | 14.75% | 84.28%-69.5pp | 66.75%-52.0pp | 552.29%-537.5pp |
| Employer contribution / active EE | $3,560 | $3,242+9.8% | $2,735+30.1% | $4,663-23.7% |
| Participant deferral / active EE | $8,450 | $5,299+59.5% | $4,527+86.7% | $6,689+26.3% |
| Admin fee / account holder | $6,493 | $7,265-10.6% | $6,165+5.3% | $13,390-51.5% |