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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 | $86,173 | $105,210-18.1% | $159,487-46.0% | $85,851+0.4% |
| Participation rate | 97.4% | 75.8%+21.6pp | 82.8%+14.5pp | 69.3%+28.0pp |
| Annual return | 31.39% | 45.08%-13.7pp | 263.71%-232.3pp | 318.63%-287.2pp |
| Employer contribution / active EE | $4,683 | $3,319+41.1% | $4,831-3.1% | $2,565+82.5% |
| Participant deferral / active EE | $4,595 | $5,946-22.7% | $7,354-37.5% | $3,952+16.3% |
| Admin fee / account holder | $2,557 | $6,934-63.1% | $10,804-76.3% | $6,261-59.2% |