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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 | $105,982 | $175,231-39.5% | $149,696-29.2% | $139,466-24.0% |
| Participation rate | 95.5% | 83.4%+12.1pp | 78.8%+16.7pp | 80.3%+15.1pp |
| Annual return | 16.65% | 166.77%-150.1pp | 134.46%-117.8pp | 373.66%-357.0pp |
| Employer contribution / active EE | $2,946 | $5,478-46.2% | $4,821-38.9% | $4,754-38.0% |
| Participant deferral / active EE | $6,798 | $6,521+4.2% | $5,682+19.6% | $6,712+1.3% |
| Admin fee / account holder | $9,244 | $16,155-42.8% | $13,212-30.0% | $11,409-19.0% |