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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 | $48,919 | $183,968-73.4% | $162,166-69.8% | $152,870-68.0% |
| Participation rate | 85.7% | 88.5%-2.8pp | 87.6%-1.8pp | 82.4%+3.3pp |
| Annual return | 18.60% | 150.77%-132.2pp | 115.59%-97.0pp | 345.34%-326.7pp |
| Employer contribution / active EE | $2,316 | $6,371-63.7% | $5,614-58.8% | $4,763-51.4% |
| Participant deferral / active EE | $6,826 | $8,034-15.0% | $7,298-6.5% | $5,850+16.7% |
| Admin fee / account holder | $1,141 | $13,121-91.3% | $10,842-89.5% | $11,597-90.2% |