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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 | $97,830 | $150,412-35.0% | $120,574-18.9% | $145,884-32.9% |
| Participation rate | 91.7% | 78.8%+12.9pp | 71.9%+19.7pp | 80.3%+11.4pp |
| Annual return | 25.26% | 154.50%-129.2pp | 107.42%-82.2pp | 551.85%-526.6pp |
| Employer contribution / active EE | $6,341 | $4,355+45.6% | $3,471+82.7% | $4,662+36.0% |
| Participant deferral / active EE | $8,198 | $6,175+32.8% | $4,996+64.1% | $6,690+22.5% |
| Admin fee / account holder | $507 | $12,224-95.9% | $9,445-94.6% | $13,392-96.2% |