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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 | $82,485 | $166,268-50.4% | $165,100-50.0% | $145,897-43.5% |
| Participation rate | 95.5% | 82.0%+13.4pp | 78.6%+16.8pp | 80.3%+15.1pp |
| Annual return | 15.72% | 100.52%-84.8pp | 70.21%-54.5pp | 552.29%-536.6pp |
| Employer contribution / active EE | $3,978 | $5,284-24.7% | $4,348-8.5% | $4,663-14.7% |
| Participant deferral / active EE | $9,522 | $6,964+36.7% | $6,035+57.8% | $6,689+42.4% |
| Admin fee / account holder | $2,344 | $16,659-85.9% | $12,696-81.5% | $13,390-82.5% |