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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 | $25,254 | $107,941-76.6% | $91,994-72.5% | $152,909-83.5% |
| Participation rate | 87.5% | 81.2%+6.3pp | 78.6%+8.9pp | 82.5%+5.0pp |
| Annual return | 39.06% | 89.28%-50.2pp | 69.04%-30.0pp | 345.46%-306.4pp |
| Employer contribution / active EE | $3,012 | $4,212-28.5% | $3,453-12.8% | $4,764-36.8% |
| Participant deferral / active EE | $9,156 | $6,366+43.8% | $5,924+54.6% | $5,851+56.5% |
| Admin fee / account holder | $814 | $10,521-92.3% | $7,744-89.5% | $11,601-93.0% |