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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 | $82,236 | $150,412-45.3% | $120,574-31.8% | $145,884-43.6% |
| Participation rate | 95.5% | 78.8%+16.7pp | 71.9%+23.5pp | 80.3%+15.2pp |
| Annual return | 17.76% | 154.50%-136.7pp | 107.42%-89.7pp | 551.85%-534.1pp |
| Employer contribution / active EE | $4,902 | $4,355+12.6% | $3,471+41.2% | $4,662+5.1% |
| Participant deferral / active EE | $6,357 | $6,175+3.0% | $4,996+27.3% | $6,690-5.0% |
| Admin fee / account holder | $9,052 | $12,224-25.9% | $9,445-4.2% | $13,392-32.4% |