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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 | $85,042 | $112,131-24.2% | $95,964-11.4% | $158,982-46.5% |
| Participation rate | 88.2% | 79.0%+9.2pp | 77.1%+11.2pp | 82.0%+6.3pp |
| Annual return | 23.75% | 171.19%-147.4pp | 91.64%-67.9pp | 302.99%-279.2pp |
| Employer contribution / active EE | $3,815 | $3,199+19.3% | $2,541+50.1% | $4,763-19.9% |
| Participant deferral / active EE | $8,309 | $4,784+73.7% | $4,167+99.4% | $5,983+38.9% |
| Admin fee / account holder | $381 | $10,136-96.2% | $6,797-94.4% | $11,252-96.6% |