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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 | $80,647 | $65,440+23.2% | $98,506-18.1% | $85,851-6.1% |
| Participation rate | 76.0% | 65.0%+11.0pp | 73.3%+2.7pp | 69.3%+6.7pp |
| Annual return | 14.09% | 21.75%-7.7pp | 1494.92%-1480.8pp | 318.63%-304.5pp |
| Employer contribution / active EE | $4,155 | $2,169+91.6% | $2,961+40.3% | $2,565+62.0% |
| Participant deferral / active EE | $4,662 | $3,168+47.2% | $4,277+9.0% | $3,952+18.0% |
| Admin fee / account holder | $1,343 | $4,596-70.8% | $5,955-77.4% | $6,261-78.5% |