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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 | $89,868 | $118,708-24.3% | $98,920-9.2% | $158,966-43.5% |
| Participation rate | 95.0% | 77.8%+17.2pp | 76.0%+19.0pp | 82.0%+13.0pp |
| Annual return | 16.46% | 372.49%-356.0pp | 196.47%-180.0pp | 302.95%-286.5pp |
| Employer contribution / active EE | $2,570 | $3,334-22.9% | $2,689-4.4% | $4,762-46.0% |
| Participant deferral / active EE | $7,504 | $5,089+47.4% | $4,245+76.8% | $5,983+25.4% |
| Admin fee / account holder | $11,960 | $10,134+18.0% | $6,643+80.1% | $11,250+6.3% |