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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 | $128,684 | $63,346+103.1% | $92,240+39.5% | $70,126+83.5% |
| Participation rate | 73.5% | 68.7%+4.9pp | 76.5%-3.0pp | 69.5%+4.0pp |
| Annual return | 13.02% | 530.19%-517.2pp | 176.29%-163.3pp | 73.15%-60.1pp |
| Employer contribution / active EE | $2,215 | $2,471-10.4% | $3,680-39.8% | $2,343-5.5% |
| Participant deferral / active EE | $4,058 | $2,854+42.2% | $3,897+4.1% | $3,332+21.8% |
| Admin fee / account holder | $1,469 | $3,841-61.7% | $5,194-71.7% | $4,645-68.4% |