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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 | $73,279 | $152,619-52.0% | $125,195-41.5% | $152,909-52.1% |
| Participation rate | 95.2% | 83.3%+11.9pp | 79.8%+15.5pp | 82.5%+12.8pp |
| Annual return | 81.75% | 54.85%+26.9pp | 43.79%+38.0pp | 345.46%-263.7pp |
| Employer contribution / active EE | $3,998 | $4,947-19.2% | $3,866+3.4% | $4,764-16.1% |
| Participant deferral / active EE | $4,576 | $5,869-22.0% | $4,937-7.3% | $5,851-21.8% |
| Admin fee / account holder | $3,776 | $13,437-71.9% | $9,704-61.1% | $11,601-67.5% |