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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 | $206,806 | $111,830+84.9% | $93,696+120.7% | $145,884+41.8% |
| Participation rate | 87.5% | 74.2%+13.3pp | 68.7%+18.8pp | 80.3%+7.2pp |
| Annual return | 20.36% | 204.08%-183.7pp | 133.74%-113.4pp | 551.85%-531.5pp |
| Employer contribution / active EE | $2,359 | $3,093-23.7% | $2,422-2.6% | $4,662-49.4% |
| Participant deferral / active EE | $3,769 | $4,920-23.4% | $4,417-14.7% | $6,690-43.7% |
| Admin fee / account holder | $9,834 | $10,249-4.0% | $8,287+18.7% | $13,392-26.6% |