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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 | $94,238 | $144,130-34.6% | $117,861-20.0% | $147,586-36.1% |
| Participation rate | 100.0% | 83.4%+16.6pp | 79.7%+20.3pp | 82.8%+17.2pp |
| Annual return | 15.61% | 531.20%-515.6pp | 335.11%-319.5pp | 578.59%-563.0pp |
| Employer contribution / active EE | $2,714 | $4,897-44.6% | $3,786-28.3% | $4,876-44.4% |
| Participant deferral / active EE | $7,323 | $5,316+37.7% | $4,482+63.4% | $5,439+34.6% |
| Admin fee / account holder | $3,395 | $10,887-68.8% | $8,021-57.7% | $10,886-68.8% |