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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 | $78,188 | $112,112-30.3% | $95,956-18.5% | $158,950-50.8% |
| Participation rate | 100.0% | 79.0%+21.0pp | 77.1%+22.9pp | 82.0%+18.0pp |
| Annual return | 8.35% | 171.15%-162.8pp | 91.63%-83.3pp | 302.91%-294.6pp |
| Employer contribution / active EE | $6,376 | $3,199+99.3% | $2,541+150.9% | $4,762+33.9% |
| Participant deferral / active EE | $5,146 | $4,784+7.6% | $4,167+23.5% | $5,983-14.0% |
| Admin fee / account holder | $3,048 | $10,134-69.9% | $6,797-55.2% | $11,248-72.9% |