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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 | $129,737-38.0% | $119,126-32.5% | $154,746-48.0% |
| Participation rate | 91.7% | 78.9%+12.8pp | 75.8%+15.9pp | 80.7%+11.0pp |
| Annual return | 68.53% | 379.08%-310.5pp | 282.11%-213.6pp | 172.34%-103.8pp |
| Employer contribution / active EE | $3,909 | $4,375-10.6% | $4,034-3.1% | $4,379-10.7% |
| Participant deferral / active EE | $7,886 | $5,842+35.0% | $5,318+48.3% | $6,730+17.2% |
| Admin fee / account holder | $14,990 | $11,961+25.3% | $10,693+40.2% | $14,365+4.4% |