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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 | $114,758 | $150,346-23.7% | $120,524-4.8% | $145,877-21.3% |
| Participation rate | 95.5% | 78.8%+16.7pp | 71.9%+23.5pp | 80.3%+15.2pp |
| Annual return | 16.91% | 154.40%-137.5pp | 107.36%-90.5pp | 551.28%-534.4pp |
| Employer contribution / active EE | $2,465 | $4,353-43.4% | $3,469-28.9% | $4,663-47.1% |
| Participant deferral / active EE | $6,347 | $6,172+2.8% | $4,994+27.1% | $6,691-5.1% |
| Admin fee / account holder | $3,175 | $12,215-74.0% | $9,440-66.4% | $13,402-76.3% |