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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 | $106,588 | $175,257-39.2% | $149,717-28.8% | $139,456-23.6% |
| Participation rate | 90.0% | 83.4%+6.6pp | 78.8%+11.2pp | 80.3%+9.7pp |
| Annual return | 17.38% | 166.70%-149.3pp | 134.41%-117.0pp | 373.45%-356.1pp |
| Employer contribution / active EE | $3,704 | $5,477-32.4% | $4,820-23.1% | $4,753-22.1% |
| Participant deferral / active EE | $6,032 | $6,521-7.5% | $5,682+6.2% | $6,711-10.1% |
| Admin fee / account holder | $3,115 | $16,156-80.7% | $13,213-76.4% | $11,407-72.7% |