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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 | $72,587 | $107,941-32.8% | $91,994-21.1% | $152,909-52.5% |
| Participation rate | 88.9% | 81.2%+7.7pp | 78.6%+10.3pp | 82.5%+6.4pp |
| Annual return | 51.04% | 89.28%-38.2pp | 69.04%-18.0pp | 345.46%-294.4pp |
| Employer contribution / active EE | $0 | $4,212-100.0% | $3,453-100.0% | $4,764-100.0% |
| Participant deferral / active EE | $8,982 | $6,366+41.1% | $5,924+51.6% | $5,851+53.5% |
| Admin fee / account holder | $4,307 | $10,521-59.1% | $7,744-44.4% | $11,601-62.9% |