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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 | $109,477 | $63,346+72.8% | $92,240+18.7% | $70,126+56.1% |
| Participation rate | 78.0% | 68.7%+9.3pp | 76.5%+1.5pp | 69.5%+8.5pp |
| Annual return | 30.88% | 530.19%-499.3pp | 176.29%-145.4pp | 73.15%-42.3pp |
| Employer contribution / active EE | $1,903 | $2,471-23.0% | $3,680-48.3% | $2,343-18.8% |
| Participant deferral / active EE | $4,491 | $2,854+57.4% | $3,897+15.3% | $3,332+34.8% |
| Admin fee / account holder | $10,675 | $3,841+177.9% | $5,194+105.5% | $4,645+129.8% |