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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 | $133,577 | $90,691+47.3% | $76,119+75.5% | $145,884-8.4% |
| Participation rate | 90.9% | 74.5%+16.4pp | 69.1%+21.8pp | 80.3%+10.6pp |
| Annual return | 12.39% | 624.52%-612.1pp | 361.25%-348.9pp | 551.85%-539.5pp |
| Employer contribution / active EE | $640 | $3,329-80.8% | $2,693-76.2% | $4,662-86.3% |
| Participant deferral / active EE | $9,940 | $5,167+92.4% | $4,259+133.4% | $6,690+48.6% |
| Admin fee / account holder | $3,588 | $8,383-57.2% | $6,421-44.1% | $13,392-73.2% |