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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 | $68,105 | $81,208-16.1% | $98,916-31.1% | $79,858-14.7% |
| Participation rate | 91.8% | 72.5%+19.3pp | 76.0%+15.8pp | 69.6%+22.2pp |
| Annual return | 19.02% | 60.99%-42.0pp | 196.45%-177.4pp | 31.72%-12.7pp |
| Employer contribution / active EE | $4,447 | $1,960+126.9% | $2,689+65.4% | $2,471+80.0% |
| Participant deferral / active EE | $3,801 | $3,265+16.4% | $4,245-10.4% | $3,740+1.6% |
| Admin fee / account holder | $5,786 | $6,013-3.8% | $6,642-12.9% | $5,306+9.0% |