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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 | $100,993 | $105,200-4.0% | $159,474-36.7% | $85,847+17.6% |
| Participation rate | 93.5% | 75.8%+17.8pp | 82.8%+10.7pp | 69.3%+24.2pp |
| Annual return | 14.47% | 45.08%-30.6pp | 263.68%-249.2pp | 318.61%-304.1pp |
| Employer contribution / active EE | $10,025 | $3,319+202.1% | $4,831+107.5% | $2,565+290.8% |
| Participant deferral / active EE | $2,997 | $5,946-49.6% | $7,353-59.2% | $3,952-24.2% |
| Admin fee / account holder | $674 | $6,934-90.3% | $10,802-93.8% | $6,261-89.2% |