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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 | $94,622 | $176,120-46.3% | $159,487-40.7% | $167,553-43.5% |
| Participation rate | 94.4% | 85.0%+9.5pp | 82.8%+11.6pp | 82.1%+12.3pp |
| Annual return | 17.25% | 331.95%-314.7pp | 263.71%-246.5pp | 478.89%-461.6pp |
| Employer contribution / active EE | $2,113 | $5,299-60.1% | $4,831-56.3% | $4,840-56.3% |
| Participant deferral / active EE | $11,501 | $7,752+48.4% | $7,354+56.4% | $6,343+81.3% |
| Admin fee / account holder | $860 | $12,561-93.2% | $10,804-92.0% | $12,316-93.0% |