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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 | $189,363 | $109,904+72.3% | $97,167+94.9% | $145,959+29.7% |
| Participation rate | 95.2% | 75.9%+19.3pp | 72.7%+22.6pp | 80.3%+15.0pp |
| Annual return | 19.98% | 243.43%-223.5pp | 75.27%-55.3pp | 561.95%-542.0pp |
| Employer contribution / active EE | $4,831 | $3,084+56.6% | $2,729+77.0% | $4,661+3.7% |
| Participant deferral / active EE | $9,521 | $4,676+103.6% | $4,264+123.3% | $6,689+42.3% |
| Admin fee / account holder | $13,983 | $6,216+125.0% | $5,650+147.5% | $13,398+4.4% |