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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 | $65,494 | $129,737-49.5% | $119,126-45.0% | $154,746-57.7% |
| Participation rate | 95.5% | 78.9%+16.6pp | 75.8%+19.7pp | 80.7%+14.8pp |
| Annual return | 19.91% | 379.08%-359.2pp | 282.11%-262.2pp | 172.34%-152.4pp |
| Employer contribution / active EE | $4,694 | $4,375+7.3% | $4,034+16.4% | $4,379+7.2% |
| Participant deferral / active EE | $4,949 | $5,842-15.3% | $5,318-6.9% | $6,730-26.5% |
| Admin fee / account holder | $495 | $11,961-95.9% | $10,693-95.4% | $14,365-96.6% |