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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 | $90,876 | $63,346+43.5% | $92,240-1.5% | $70,126+29.6% |
| Participation rate | 90.3% | 68.7%+21.7pp | 76.5%+13.8pp | 69.5%+20.8pp |
| Annual return | 12.50% | 530.19%-517.7pp | 176.29%-163.8pp | 73.15%-60.6pp |
| Employer contribution / active EE | $5,468 | $2,471+121.3% | $3,680+48.6% | $2,343+133.4% |
| Participant deferral / active EE | $2,753 | $2,854-3.5% | $3,897-29.4% | $3,332-17.4% |
| Admin fee / account holder | $8,844 | $3,841+130.3% | $5,194+70.3% | $4,645+90.4% |