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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 | $86,995 | $176,120-50.6% | $159,487-45.5% | $167,553-48.1% |
| Participation rate | 94.7% | 85.0%+9.8pp | 82.8%+11.9pp | 82.1%+12.6pp |
| Annual return | 20.86% | 331.95%-311.1pp | 263.71%-242.8pp | 478.89%-458.0pp |
| Employer contribution / active EE | $2,537 | $5,299-52.1% | $4,831-47.5% | $4,840-47.6% |
| Participant deferral / active EE | $5,656 | $7,752-27.0% | $7,354-23.1% | $6,343-10.8% |
| Admin fee / account holder | $725 | $12,561-94.2% | $10,804-93.3% | $12,316-94.1% |