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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 | $85,343 | $102,393-16.7% | $147,041-42.0% | $80,911+5.5% |
| Participation rate | 95.3% | 75.9%+19.5pp | 82.2%+13.2pp | 67.6%+27.7pp |
| Annual return | 17.63% | 134.95%-117.3pp | 419.21%-401.6pp | 35.63%-18.0pp |
| Employer contribution / active EE | $4,163 | $3,715+12.1% | $4,935-15.6% | $2,756+51.1% |
| Participant deferral / active EE | $9,689 | $6,647+45.8% | $8,071+20.0% | $4,297+125.5% |
| Admin fee / account holder | $5,234 | $7,943-34.1% | $13,006-59.8% | $6,935-24.5% |