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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 | $96,079 | $209,422-54.1% | $178,503-46.2% | $158,982-39.6% |
| Participation rate | 86.7% | 86.4%+0.3pp | 81.9%+4.7pp | 82.0%+4.7pp |
| Annual return | 16.79% | 188.81%-172.0pp | 151.12%-134.3pp | 302.99%-286.2pp |
| Employer contribution / active EE | $1,513 | $5,707-73.5% | $5,011-69.8% | $4,763-68.2% |
| Participant deferral / active EE | $3,429 | $5,955-42.4% | $5,202-34.1% | $5,983-42.7% |
| Admin fee / account holder | $45,556 | $17,079+166.7% | $13,987+225.7% | $11,252+304.9% |