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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 | $25,728 | $100,073-74.3% | $85,126-69.8% | $145,877-82.4% |
| Participation rate | 90.9% | 74.1%+16.8pp | 67.5%+23.4pp | 80.3%+10.6pp |
| Annual return | 67.85% | 84.11%-16.3pp | 66.63%+1.2pp | 551.28%-483.4pp |
| Employer contribution / active EE | $4,648 | $3,236+43.6% | $2,731+70.2% | $4,663-0.3% |
| Participant deferral / active EE | $8,189 | $5,294+54.7% | $4,523+81.0% | $6,691+22.4% |
| Admin fee / account holder | $17,351 | $7,261+139.0% | $6,160+181.7% | $13,402+29.5% |