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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 | $56,877 | $104,924-45.8% | $84,623-32.8% | $152,885-62.8% |
| Participation rate | 87.5% | 74.8%+12.7pp | 68.2%+19.3pp | 82.5%+5.0pp |
| Annual return | 20.88% | 373.82%-352.9pp | 258.77%-237.9pp | 345.39%-324.5pp |
| Employer contribution / active EE | $2,097 | $3,302-36.5% | $2,652-20.9% | $4,763-56.0% |
| Participant deferral / active EE | $6,074 | $4,689+29.5% | $3,899+55.8% | $5,851+3.8% |
| Admin fee / account holder | $6,520 | $6,242+4.5% | $4,913+32.7% | $11,598-43.8% |