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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 | $84,696 | $102,595-17.4% | $94,057-10.0% | $154,746-45.3% |
| Participation rate | 93.8% | 76.0%+17.8pp | 73.3%+20.4pp | 80.7%+13.0pp |
| Annual return | 38.04% | 583.42%-545.4pp | 480.62%-442.6pp | 172.34%-134.3pp |
| Employer contribution / active EE | $2,469 | $3,147-21.5% | $2,933-15.8% | $4,379-43.6% |
| Participant deferral / active EE | $8,476 | $5,118+65.6% | $4,709+80.0% | $6,730+25.9% |
| Admin fee / account holder | $2,394 | $7,736-69.1% | $7,244-67.0% | $14,365-83.3% |