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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 | $80,822 | $96,678-16.4% | $86,640-6.7% | $139,466-42.0% |
| Participation rate | 93.3% | 74.4%+18.9pp | 71.7%+21.6pp | 80.3%+13.0pp |
| Annual return | 16.40% | 106.69%-90.3pp | 592.52%-576.1pp | 373.66%-357.3pp |
| Employer contribution / active EE | $3,425 | $3,265+4.9% | $3,024+13.3% | $4,754-27.9% |
| Participant deferral / active EE | $8,453 | $4,837+74.8% | $4,438+90.5% | $6,712+25.9% |
| Admin fee / account holder | $2,112 | $6,410-67.1% | $5,616-62.4% | $11,409-81.5% |