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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 | $67,933 | $107,368-36.7% | $92,915-26.9% | $152,909-55.6% |
| Participation rate | 100.0% | 79.8%+20.2pp | 76.0%+24.0pp | 82.5%+17.5pp |
| Annual return | 20.44% | 145.64%-125.2pp | 109.45%-89.0pp | 345.46%-325.0pp |
| Employer contribution / active EE | $2,792 | $4,222-33.9% | $3,653-23.6% | $4,764-41.4% |
| Participant deferral / active EE | $5,990 | $4,848+23.6% | $4,238+41.3% | $5,851+2.4% |
| Admin fee / account holder | $780 | $7,082-89.0% | $5,796-86.5% | $11,601-93.3% |