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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 | $127,089 | $106,008+19.9% | $92,240+37.8% | $147,586-13.9% |
| Participation rate | 93.3% | 80.4%+12.9pp | 76.5%+16.9pp | 82.8%+10.5pp |
| Annual return | 17.87% | 50.05%-32.2pp | 176.29%-158.4pp | 578.59%-560.7pp |
| Employer contribution / active EE | $1,119 | $4,333-74.2% | $3,680-69.6% | $4,876-77.1% |
| Participant deferral / active EE | $2,814 | $4,478-37.2% | $3,897-27.8% | $5,439-48.3% |
| Admin fee / account holder | $447 | $6,333-92.9% | $5,194-91.4% | $10,886-95.9% |