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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 | $86,769 | $160,040-45.8% | $147,096-41.0% | $145,877-40.5% |
| Participation rate | 95.2% | 84.0%+11.2pp | 82.2%+13.1pp | 80.3%+14.9pp |
| Annual return | 15.84% | 98.49%-82.7pp | 419.75%-403.9pp | 551.28%-535.4pp |
| Employer contribution / active EE | $2,000 | $5,289-62.2% | $4,936-59.5% | $4,663-57.1% |
| Participant deferral / active EE | $8,113 | $8,429-3.8% | $8,071+0.5% | $6,691+21.3% |
| Admin fee / account holder | $9,495 | $15,050-36.9% | $13,005-27.0% | $13,402-29.2% |