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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 | $87,684 | $150,346-41.7% | $120,524-27.2% | $145,877-39.9% |
| Participation rate | 95.2% | 78.8%+16.4pp | 71.9%+23.3pp | 80.3%+14.9pp |
| Annual return | 10.64% | 154.40%-143.8pp | 107.36%-96.7pp | 551.28%-540.6pp |
| Employer contribution / active EE | $2,415 | $4,353-44.5% | $3,469-30.4% | $4,663-48.2% |
| Participant deferral / active EE | $8,791 | $6,172+42.4% | $4,994+76.0% | $6,691+31.4% |
| Admin fee / account holder | $2,785 | $12,215-77.2% | $9,440-70.5% | $13,402-79.2% |