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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 | $97,122 | $176,120-44.9% | $159,487-39.1% | $167,553-42.0% |
| Participation rate | 95.8% | 85.0%+10.9pp | 82.8%+13.0pp | 82.1%+13.7pp |
| Annual return | 13.19% | 331.95%-318.8pp | 263.71%-250.5pp | 478.89%-465.7pp |
| Employer contribution / active EE | $1,982 | $5,299-62.6% | $4,831-59.0% | $4,840-59.1% |
| Participant deferral / active EE | $4,918 | $7,752-36.6% | $7,354-33.1% | $6,343-22.5% |
| Admin fee / account holder | $7,139 | $12,561-43.2% | $10,804-33.9% | $12,316-42.0% |