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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 | $32,898 | $209,422-84.3% | $178,503-81.6% | $158,982-79.3% |
| Participation rate | 88.9% | 86.4%+2.5pp | 81.9%+7.0pp | 82.0%+6.9pp |
| Annual return | 28.61% | 188.81%-160.2pp | 151.12%-122.5pp | 302.99%-274.4pp |
| Employer contribution / active EE | $2,510 | $5,707-56.0% | $5,011-49.9% | $4,763-47.3% |
| Participant deferral / active EE | $7,447 | $5,955+25.1% | $5,202+43.2% | $5,983+24.5% |
| Admin fee / account holder | $6,255 | $17,079-63.4% | $13,987-55.3% | $11,252-44.4% |