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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 | $79,435 | $115,814-31.4% | $101,275-21.6% | $158,982-50.0% |
| Participation rate | 94.7% | 79.4%+15.4pp | 75.8%+18.9pp | 82.0%+12.8pp |
| Annual return | 16.88% | 56.16%-39.3pp | 46.48%-29.6pp | 302.99%-286.1pp |
| Employer contribution / active EE | $2,505 | $4,176-40.0% | $3,660-31.6% | $4,763-47.4% |
| Participant deferral / active EE | $5,891 | $4,958+18.8% | $4,371+34.8% | $5,983-1.6% |
| Admin fee / account holder | $507 | $7,249-93.0% | $5,948-91.5% | $11,252-95.5% |