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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 | $72,302 | $111,878-35.4% | $93,727-22.9% | $145,897-50.4% |
| Participation rate | 91.7% | 74.2%+17.5pp | 68.7%+23.0pp | 80.3%+11.4pp |
| Annual return | 17.91% | 204.28%-186.4pp | 133.83%-115.9pp | 552.29%-534.4pp |
| Employer contribution / active EE | $5,000 | $3,092+61.7% | $2,421+106.5% | $4,663+7.2% |
| Participant deferral / active EE | $1,943 | $4,920-60.5% | $4,417-56.0% | $6,689-70.9% |
| Admin fee / account holder | $914 | $10,256-91.1% | $8,292-89.0% | $13,390-93.2% |