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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 | $86,111 | $176,120-51.1% | $159,487-46.0% | $167,553-48.6% |
| Participation rate | 90.0% | 85.0%+5.0pp | 82.8%+7.2pp | 82.1%+7.9pp |
| Annual return | 13.50% | 331.95%-318.4pp | 263.71%-250.2pp | 478.89%-465.4pp |
| Employer contribution / active EE | $3,957 | $5,299-25.3% | $4,831-18.1% | $4,840-18.2% |
| Participant deferral / active EE | $9,521 | $7,752+22.8% | $7,354+29.5% | $6,343+50.1% |
| Admin fee / account holder | $1,489 | $12,561-88.1% | $10,804-86.2% | $12,316-87.9% |