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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 | $124,206 | $118,695+4.6% | $98,916+25.6% | $158,950-21.9% |
| Participation rate | 95.8% | 77.8%+18.0pp | 76.0%+19.8pp | 82.0%+13.9pp |
| Annual return | 18.05% | 372.39%-354.3pp | 196.45%-178.4pp | 302.91%-284.9pp |
| Employer contribution / active EE | $669 | $3,333-79.9% | $2,689-75.1% | $4,762-86.0% |
| Participant deferral / active EE | $3,669 | $5,088-27.9% | $4,245-13.6% | $5,983-38.7% |
| Admin fee / account holder | $674 | $10,132-93.3% | $6,642-89.8% | $11,248-94.0% |