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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 | $88,722 | $126,519-29.9% | $106,201-16.5% | $145,959-39.2% |
| Participation rate | 87.5% | 77.7%+9.8pp | 75.3%+12.2pp | 80.3%+7.2pp |
| Annual return | 21.38% | 225.10%-203.7pp | 116.26%-94.9pp | 561.95%-540.6pp |
| Employer contribution / active EE | $2,672 | $3,726-28.3% | $3,170-15.7% | $4,661-42.7% |
| Participant deferral / active EE | $6,604 | $5,716+15.5% | $5,012+31.7% | $6,689-1.3% |
| Admin fee / account holder | $907 | $17,312-94.8% | $11,039-91.8% | $13,398-93.2% |