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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 | $122,409 | $175,259-30.2% | $149,723-18.2% | $139,487-12.2% |
| Participation rate | 80.0% | 83.4%-3.4pp | 78.8%+1.2pp | 80.3%-0.3pp |
| Annual return | 18.65% | 166.82%-148.2pp | 134.50%-115.9pp | 373.84%-355.2pp |
| Employer contribution / active EE | $2,422 | $5,478-55.8% | $4,821-49.8% | $4,755-49.1% |
| Participant deferral / active EE | $4,142 | $6,522-36.5% | $5,682-27.1% | $6,713-38.3% |
| Admin fee / account holder | $4,063 | $16,158-74.9% | $13,215-69.3% | $11,407-64.4% |