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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 | $84,757 | $95,979-11.7% | $74,551+13.7% | $135,380-37.4% |
| Participation rate | 90.0% | 75.7%+14.3pp | 69.1%+20.9pp | 82.6%+7.4pp |
| Annual return | 11.17% | 56.97%-45.8pp | 32.53%-21.4pp | 519.81%-508.6pp |
| Employer contribution / active EE | $12,500 | $2,716+360.2% | $1,961+537.4% | $4,779+161.6% |
| Participant deferral / active EE | $2,216 | $3,844-42.4% | $3,108-28.7% | $5,609-60.5% |
| Admin fee / account holder | $1,315 | $6,522-79.8% | $5,059-74.0% | $10,828-87.9% |