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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 | $97,849 | $115,810-15.5% | $101,271-3.4% | $158,966-38.4% |
| Participation rate | 90.0% | 79.4%+10.6pp | 75.8%+14.2pp | 82.0%+8.0pp |
| Annual return | 16.97% | 56.15%-39.2pp | 46.48%-29.5pp | 302.95%-286.0pp |
| Employer contribution / active EE | $2,655 | $4,175-36.4% | $3,660-27.5% | $4,762-44.3% |
| Participant deferral / active EE | $5,904 | $4,958+19.1% | $4,371+35.1% | $5,983-1.3% |
| Admin fee / account holder | $10,385 | $7,248+43.3% | $5,948+74.6% | $11,250-7.7% |