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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 | $86,712 | $112,933-23.2% | $90,970-4.7% | $158,982-45.5% |
| Participation rate | 91.7% | 74.7%+16.9pp | 69.0%+22.7pp | 82.0%+9.7pp |
| Annual return | 8.42% | 215.82%-207.4pp | 134.60%-126.2pp | 302.99%-294.6pp |
| Employer contribution / active EE | $4,968 | $2,893+71.7% | $2,122+134.2% | $4,763+4.3% |
| Participant deferral / active EE | $1,133 | $4,128-72.6% | $3,373-66.4% | $5,983-81.1% |
| Admin fee / account holder | $618 | $8,047-92.3% | $5,961-89.6% | $11,252-94.5% |