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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 | $83,678 | $111,785-25.1% | $93,669-10.7% | $145,877-42.6% |
| Participation rate | 88.2% | 74.2%+14.0pp | 68.7%+19.5pp | 80.3%+7.9pp |
| Annual return | 44.64% | 203.79%-159.1pp | 133.59%-89.0pp | 551.28%-506.6pp |
| Employer contribution / active EE | $6,317 | $3,096+104.0% | $2,424+160.6% | $4,663+35.5% |
| Participant deferral / active EE | $12,398 | $4,919+152.1% | $4,416+180.8% | $6,691+85.3% |
| Admin fee / account holder | $9,686 | $10,256-5.6% | $8,291+16.8% | $13,402-27.7% |