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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 | $80,409 | $171,492-53.1% | $150,734-46.7% | $198,609-59.5% |
| Participation rate | 91.7% | 81.4%+10.3pp | 78.4%+13.2pp | 82.4%+9.3pp |
| Annual return | 68.53% | 804.70%-736.2pp | 600.81%-532.3pp | 202.70%-134.2pp |
| Employer contribution / active EE | $3,909 | $5,470-28.5% | $4,918-20.5% | $5,055-22.7% |
| Participant deferral / active EE | $7,886 | $6,259+26.0% | $5,610+40.6% | $6,977+13.0% |
| Admin fee / account holder | $14,990 | $17,628-15.0% | $14,905+0.6% | $19,030-21.2% |