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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 | $74,472 | $176,120-57.7% | $159,487-53.3% | $167,553-55.6% |
| Participation rate | 87.5% | 85.0%+2.5pp | 82.8%+4.7pp | 82.1%+5.4pp |
| Annual return | 20.87% | 331.95%-311.1pp | 263.71%-242.8pp | 478.89%-458.0pp |
| Employer contribution / active EE | $5,000 | $5,299-5.6% | $4,831+3.5% | $4,840+3.3% |
| Participant deferral / active EE | $12,864 | $7,752+65.9% | $7,354+74.9% | $6,343+102.8% |
| Admin fee / account holder | $6,805 | $12,561-45.8% | $10,804-37.0% | $12,316-44.7% |