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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 | $75,620 | $115,814-34.7% | $101,275-25.3% | $158,982-52.4% |
| Participation rate | 94.4% | 79.4%+15.1pp | 75.8%+18.6pp | 82.0%+12.5pp |
| Annual return | 13.71% | 56.16%-42.4pp | 46.48%-32.8pp | 302.99%-289.3pp |
| Employer contribution / active EE | $6,427 | $4,176+53.9% | $3,660+75.6% | $4,763+34.9% |
| Participant deferral / active EE | $5,477 | $4,958+10.5% | $4,371+25.3% | $5,983-8.5% |
| Admin fee / account holder | $700 | $7,249-90.3% | $5,948-88.2% | $11,252-93.8% |