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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 | $88,507 | $70,366+25.8% | $66,674+32.7% | $138,895-36.3% |
| Participation rate | 93.3% | 76.2%+17.2pp | 73.7%+19.7pp | 79.9%+13.4pp |
| Annual return | 16.37% | 386.41%-370.0pp | 321.24%-304.9pp | 145.39%-129.0pp |
| Employer contribution / active EE | $3,341 | $2,765+20.8% | $2,620+27.5% | $4,194-20.3% |
| Participant deferral / active EE | $4,837 | $4,374+10.6% | $4,084+18.4% | $6,396-24.4% |
| Admin fee / account holder | $6,585 | $5,262+25.1% | $5,098+29.2% | $12,562-47.6% |