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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 | $78,092 | $112,112-30.3% | $95,956-18.6% | $158,950-50.9% |
| Participation rate | 94.4% | 79.0%+15.5pp | 77.1%+17.4pp | 82.0%+12.5pp |
| Annual return | 21.26% | 171.15%-149.9pp | 91.63%-70.4pp | 302.91%-281.7pp |
| Employer contribution / active EE | $3,912 | $3,199+22.3% | $2,541+54.0% | $4,762-17.8% |
| Participant deferral / active EE | $4,239 | $4,784-11.4% | $4,167+1.7% | $5,983-29.2% |
| Admin fee / account holder | $1,274 | $10,134-87.4% | $6,797-81.3% | $11,248-88.7% |