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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 | $97,221 | $112,131-13.3% | $95,964+1.3% | $158,982-38.8% |
| Participation rate | 94.4% | 79.0%+15.5pp | 77.1%+17.4pp | 82.0%+12.5pp |
| Annual return | 8.80% | 171.19%-162.4pp | 91.64%-82.8pp | 302.99%-294.2pp |
| Employer contribution / active EE | $6,237 | $3,199+94.9% | $2,541+145.4% | $4,763+30.9% |
| Participant deferral / active EE | $2,758 | $4,784-42.4% | $4,167-33.8% | $5,983-53.9% |
| Admin fee / account holder | $977 | $10,136-90.4% | $6,797-85.6% | $11,252-91.3% |