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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 | $118,148 | $100,073+18.1% | $85,126+38.8% | $145,877-19.0% |
| Participation rate | 87.5% | 74.1%+13.4pp | 67.5%+20.0pp | 80.3%+7.2pp |
| Annual return | 13.05% | 84.11%-71.1pp | 66.63%-53.6pp | 551.28%-538.2pp |
| Employer contribution / active EE | $2,695 | $3,236-16.7% | $2,731-1.3% | $4,663-42.2% |
| Participant deferral / active EE | $5,733 | $5,294+8.3% | $4,523+26.7% | $6,691-14.3% |
| Admin fee / account holder | $831 | $7,261-88.5% | $6,160-86.5% | $13,402-93.8% |