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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 | $98,194 | $209,405-53.1% | $178,486-45.0% | $158,931-38.2% |
| Participation rate | 94.7% | 86.4%+8.4pp | 81.9%+12.8pp | 82.0%+12.8pp |
| Annual return | 18.85% | 188.77%-169.9pp | 151.08%-132.2pp | 302.86%-284.0pp |
| Employer contribution / active EE | $2,104 | $5,707-63.1% | $5,011-58.0% | $4,761-55.8% |
| Participant deferral / active EE | $7,676 | $5,954+28.9% | $5,202+47.6% | $5,982+28.3% |
| Admin fee / account holder | $3,115 | $17,076-81.8% | $13,985-77.7% | $11,247-72.3% |