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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 | $183,798 | $112,131+63.9% | $95,964+91.5% | $158,982+15.6% |
| Participation rate | 95.2% | 79.0%+16.2pp | 77.1%+18.2pp | 82.0%+13.3pp |
| Annual return | 19.23% | 171.19%-152.0pp | 91.64%-72.4pp | 302.99%-283.8pp |
| Employer contribution / active EE | $8,943 | $3,199+179.5% | $2,541+251.9% | $4,763+87.8% |
| Participant deferral / active EE | $4,534 | $4,784-5.2% | $4,167+8.8% | $5,983-24.2% |
| Admin fee / account holder | $5,595 | $10,136-44.8% | $6,797-17.7% | $11,252-50.3% |