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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 | $89,477 | $150,412-40.5% | $120,574-25.8% | $145,884-38.7% |
| Participation rate | 93.8% | 78.8%+15.0pp | 71.9%+21.8pp | 80.3%+13.4pp |
| Annual return | 25.48% | 154.50%-129.0pp | 107.42%-81.9pp | 551.85%-526.4pp |
| Employer contribution / active EE | $4,369 | $4,355+0.3% | $3,471+25.9% | $4,662-6.3% |
| Participant deferral / active EE | $5,410 | $6,175-12.4% | $4,996+8.3% | $6,690-19.1% |
| Admin fee / account holder | $7,875 | $12,224-35.6% | $9,445-16.6% | $13,392-41.2% |