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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 | $99,921+23.5% | $85,009+45.2% | $145,959-15.4% |
| Participation rate | 90.0% | 74.1%+15.9pp | 67.5%+22.5pp | 80.3%+9.7pp |
| Annual return | 14.75% | 83.89%-69.1pp | 66.47%-51.7pp | 561.95%-547.2pp |
| Employer contribution / active EE | $3,560 | $3,233+10.1% | $2,728+30.5% | $4,661-23.6% |
| Participant deferral / active EE | $8,450 | $5,293+59.7% | $4,522+86.9% | $6,689+26.3% |
| Admin fee / account holder | $6,493 | $7,252-10.5% | $6,153+5.5% | $13,398-51.5% |