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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 | $181,221 | $100,203+80.9% | $85,240+112.6% | $145,897+24.2% |
| Participation rate | 88.9% | 74.1%+14.8pp | 67.5%+21.4pp | 80.3%+8.6pp |
| Annual return | 13.69% | 84.28%-70.6pp | 66.75%-53.1pp | 552.29%-538.6pp |
| Employer contribution / active EE | $3,615 | $3,242+11.5% | $2,735+32.2% | $4,663-22.5% |
| Participant deferral / active EE | $7,252 | $5,299+36.9% | $4,527+60.2% | $6,689+8.4% |
| Admin fee / account holder | $3,696 | $7,265-49.1% | $6,165-40.0% | $13,390-72.4% |