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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 | $138,269 | $95,415+44.9% | $185,851-25.6% | $85,851+61.1% |
| Participation rate | 88.5% | 68.8%+19.7pp | 81.7%+6.8pp | 69.3%+19.1pp |
| Annual return | 12.61% | 23.59%-11.0pp | 122.11%-109.5pp | 318.63%-306.0pp |
| Employer contribution / active EE | $5,887 | $3,314+77.6% | $5,168+13.9% | $2,565+129.5% |
| Participant deferral / active EE | $6,319 | $3,424+84.6% | $5,569+13.5% | $3,952+59.9% |
| Admin fee / account holder | $9,274 | $7,215+28.5% | $16,245-42.9% | $6,261+48.1% |