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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 | $105,975 | $99,652+6.3% | $78,778+34.5% | $147,586-28.2% |
| Participation rate | 78.6% | 76.2%+2.3pp | 69.2%+9.4pp | 82.8%-4.3pp |
| Annual return | 8.35% | 47.28%-38.9pp | 35.62%-27.3pp | 578.59%-570.2pp |
| Employer contribution / active EE | $4,497 | $2,796+60.8% | $1,986+126.5% | $4,876-7.8% |
| Participant deferral / active EE | $2,918 | $3,664-20.3% | $2,958-1.4% | $5,439-46.3% |
| Admin fee / account holder | $2,193 | $7,155-69.3% | $5,134-57.3% | $10,886-79.9% |