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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 | $84,492 | $176,120-52.0% | $159,487-47.0% | $167,553-49.6% |
| Participation rate | 92.3% | 85.0%+7.4pp | 82.8%+9.5pp | 82.1%+10.2pp |
| Annual return | 15.26% | 331.95%-316.7pp | 263.71%-248.4pp | 478.89%-463.6pp |
| Employer contribution / active EE | $2,255 | $5,299-57.5% | $4,831-53.3% | $4,840-53.4% |
| Participant deferral / active EE | $17,178 | $7,752+121.6% | $7,354+133.6% | $6,343+170.8% |
| Admin fee / account holder | $3,681 | $12,561-70.7% | $10,804-65.9% | $12,316-70.1% |