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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 | $91,602 | $115,814-20.9% | $101,275-9.6% | $158,982-42.4% |
| Participation rate | 95.2% | 79.4%+15.9pp | 75.8%+19.4pp | 82.0%+13.3pp |
| Annual return | 14.92% | 56.16%-41.2pp | 46.48%-31.6pp | 302.99%-288.1pp |
| Employer contribution / active EE | $18,044 | $4,176+332.1% | $3,660+393.0% | $4,763+278.9% |
| Participant deferral / active EE | $2,429 | $4,958-51.0% | $4,371-44.4% | $5,983-59.4% |
| Admin fee / account holder | $5,967 | $7,249-17.7% | $5,948+0.3% | $11,252-47.0% |