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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 | $84,161 | $157,276-46.5% | $141,177-40.4% | $152,885-45.0% |
| Participation rate | 93.8% | 84.8%+8.9pp | 82.5%+11.3pp | 82.5%+11.3pp |
| Annual return | 23.24% | 64.33%-41.1pp | 71.40%-48.2pp | 345.39%-322.2pp |
| Employer contribution / active EE | $8,759 | $5,262+66.5% | $4,736+85.0% | $4,763+83.9% |
| Participant deferral / active EE | $5,821 | $7,110-18.1% | $6,710-13.3% | $5,851-0.5% |
| Admin fee / account holder | $4,734 | $12,123-60.9% | $10,263-53.9% | $11,598-59.2% |