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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 | $84,241 | $108,942-22.7% | $100,415-16.1% | $145,897-42.3% |
| Participation rate | 75.0% | 83.0%-8.0pp | 81.5%-6.5pp | 80.3%-5.3pp |
| Annual return | 14.82% | 58.27%-43.5pp | 49.47%-34.7pp | 552.29%-537.5pp |
| Employer contribution / active EE | $4,651 | $4,422+5.2% | $3,943+18.0% | $4,663-0.3% |
| Participant deferral / active EE | $12,809 | $8,461+51.4% | $8,091+58.3% | $6,689+91.5% |
| Admin fee / account holder | $308 | $9,702-96.8% | $7,906-96.1% | $13,390-97.7% |