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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 | $87,770 | $160,040-45.2% | $147,096-40.3% | $145,877-39.8% |
| Participation rate | 93.3% | 84.0%+9.3pp | 82.2%+11.2pp | 80.3%+13.0pp |
| Annual return | 18.74% | 98.49%-79.8pp | 419.75%-401.0pp | 551.28%-532.5pp |
| Employer contribution / active EE | $6,180 | $5,289+16.8% | $4,936+25.2% | $4,663+32.5% |
| Participant deferral / active EE | $9,074 | $8,429+7.7% | $8,071+12.4% | $6,691+35.6% |
| Admin fee / account holder | $7,706 | $15,050-48.8% | $13,005-40.7% | $13,402-42.5% |