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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 | $93,848 | $115,814-19.0% | $101,275-7.3% | $158,982-41.0% |
| Participation rate | 90.0% | 79.4%+10.6pp | 75.8%+14.2pp | 82.0%+8.0pp |
| Annual return | 16.80% | 56.16%-39.4pp | 46.48%-29.7pp | 302.99%-286.2pp |
| Employer contribution / active EE | $8,073 | $4,176+93.3% | $3,660+120.6% | $4,763+69.5% |
| Participant deferral / active EE | $5,807 | $4,958+17.1% | $4,371+32.9% | $5,983-2.9% |
| Admin fee / account holder | $11,372 | $7,249+56.9% | $5,948+91.2% | $11,252+1.1% |