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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 | $90,434 | $110,093-17.9% | $97,295-7.1% | $145,897-38.0% |
| Participation rate | 81.3% | 75.9%+5.3pp | 72.7%+8.6pp | 80.3%+0.9pp |
| Annual return | 14.33% | 244.76%-230.4pp | 75.62%-61.3pp | 552.29%-538.0pp |
| Employer contribution / active EE | $2,681 | $3,077-12.9% | $2,723-1.5% | $4,663-42.5% |
| Participant deferral / active EE | $2,483 | $4,678-46.9% | $4,264-41.8% | $6,689-62.9% |
| Admin fee / account holder | $7,950 | $6,212+28.0% | $5,646+40.8% | $13,390-40.6% |