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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 | $90,378 | $102,595-11.9% | $94,057-3.9% | $154,746-41.6% |
| Participation rate | 93.8% | 76.0%+17.8pp | 73.3%+20.4pp | 80.7%+13.0pp |
| Annual return | 20.41% | 583.42%-563.0pp | 480.62%-460.2pp | 172.34%-151.9pp |
| Employer contribution / active EE | $5,361 | $3,147+70.3% | $2,933+82.8% | $4,379+22.4% |
| Participant deferral / active EE | $13,229 | $5,118+158.5% | $4,709+180.9% | $6,730+96.6% |
| Admin fee / account holder | $34,952 | $7,736+351.8% | $7,244+382.5% | $14,365+143.3% |