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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 | $29,248 | $176,105-83.4% | $159,474-81.7% | $167,536-82.5% |
| Participation rate | 73.3% | 85.0%-11.6pp | 82.8%-9.5pp | 82.1%-8.8pp |
| Annual return | 14.39% | 331.91%-317.5pp | 263.68%-249.3pp | 478.82%-464.4pp |
| Employer contribution / active EE | $3,690 | $5,299-30.4% | $4,831-23.6% | $4,839-23.7% |
| Participant deferral / active EE | $9,939 | $7,751+28.2% | $7,353+35.2% | $6,342+56.7% |
| Admin fee / account holder | $5,377 | $12,559-57.2% | $10,802-50.2% | $12,315-56.3% |