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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 | $109,264 | $155,833-29.9% | $124,693-12.4% | $167,518-34.8% |
| Participation rate | 95.0% | 81.1%+13.9pp | 74.6%+20.4pp | 82.1%+12.9pp |
| Annual return | 14.10% | 17.98%-3.9pp | 5144.19%-5130.1pp | 478.71%-464.6pp |
| Employer contribution / active EE | $7,589 | $4,164+82.2% | $3,324+128.3% | $4,838+56.9% |
| Participant deferral / active EE | $6,224 | $5,675+9.7% | $4,615+34.9% | $6,342-1.9% |
| Admin fee / account holder | $3,502 | $9,534-63.3% | $7,494-53.3% | $12,312-71.6% |