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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 | $103,496 | $144,124-28.2% | $117,857-12.2% | $147,585-29.9% |
| Participation rate | 94.4% | 83.4%+11.0pp | 79.7%+14.8pp | 82.8%+11.6pp |
| Annual return | 12.94% | 531.17%-518.2pp | 335.09%-322.1pp | 578.57%-565.6pp |
| Employer contribution / active EE | $1,773 | $4,897-63.8% | $3,786-53.2% | $4,876-63.6% |
| Participant deferral / active EE | $4,112 | $5,316-22.6% | $4,482-8.2% | $5,439-24.4% |
| Admin fee / account holder | $7,087 | $10,886-34.9% | $8,020-11.6% | $10,885-34.9% |