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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 | $125,662 | $198,457-36.7% | $170,435-26.3% | $147,586-14.9% |
| Participation rate | 100.0% | 88.0%+12.0pp | 83.6%+16.4pp | 82.8%+17.2pp |
| Annual return | 13.54% | 257.30%-243.8pp | 205.94%-192.4pp | 578.59%-565.1pp |
| Employer contribution / active EE | $2,678 | $6,183-56.7% | $5,432-50.7% | $4,876-45.1% |
| Participant deferral / active EE | $5,832 | $5,629+3.6% | $4,939+18.1% | $5,439+7.2% |
| Admin fee / account holder | $9,130 | $16,852-45.8% | $13,881-34.2% | $10,886-16.1% |