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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 | $74,222 | $115,814-35.9% | $101,275-26.7% | $158,982-53.3% |
| Participation rate | 90.9% | 79.4%+11.5pp | 75.8%+15.1pp | 82.0%+8.9pp |
| Annual return | 12.30% | 56.16%-43.9pp | 46.48%-34.2pp | 302.99%-290.7pp |
| Employer contribution / active EE | $10,926 | $4,176+161.7% | $3,660+198.5% | $4,763+129.4% |
| Participant deferral / active EE | $4,534 | $4,958-8.6% | $4,371+3.7% | $5,983-24.2% |
| Admin fee / account holder | $2,409 | $7,249-66.8% | $5,948-59.5% | $11,252-78.6% |