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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 | $58,696 | $160,040-63.3% | $147,096-60.1% | $145,877-59.8% |
| Participation rate | 87.5% | 84.0%+3.5pp | 82.2%+5.3pp | 80.3%+7.2pp |
| Annual return | 12.79% | 98.49%-85.7pp | 419.75%-407.0pp | 551.28%-538.5pp |
| Employer contribution / active EE | $4,094 | $5,289-22.6% | $4,936-17.1% | $4,663-12.2% |
| Participant deferral / active EE | $10,279 | $8,429+22.0% | $8,071+27.4% | $6,691+53.6% |
| Admin fee / account holder | $4,353 | $15,050-71.1% | $13,005-66.5% | $13,402-67.5% |