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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 | $103,487 | $95,406+8.5% | $185,849-44.3% | $85,847+20.5% |
| Participation rate | 94.1% | 68.8%+25.4pp | 81.7%+12.4pp | 69.3%+24.8pp |
| Annual return | 17.44% | 23.59%-6.1pp | 122.10%-104.7pp | 318.61%-301.2pp |
| Employer contribution / active EE | $3,923 | $3,314+18.4% | $5,169-24.1% | $2,565+52.9% |
| Participant deferral / active EE | $4,808 | $3,424+40.4% | $5,569-13.7% | $3,952+21.7% |
| Admin fee / account holder | $627 | $7,214-91.3% | $16,244-96.1% | $6,261-90.0% |