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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 | $237,980 | $106,923+122.6% | $84,023+183.2% | $152,909+55.6% |
| Participation rate | 87.5% | 75.3%+12.2pp | 69.0%+18.5pp | 82.5%+5.0pp |
| Annual return | 20.55% | 105.02%-84.5pp | 71.32%-50.8pp | 345.46%-324.9pp |
| Employer contribution / active EE | $3,123 | $2,735+14.2% | $1,984+57.4% | $4,764-34.4% |
| Participant deferral / active EE | $5,090 | $4,013+26.8% | $3,239+57.1% | $5,851-13.0% |
| Admin fee / account holder | $363 | $8,289-95.6% | $6,102-94.1% | $11,601-96.9% |