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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 | $89,277 | $176,120-49.3% | $159,487-44.0% | $167,553-46.7% |
| Participation rate | 90.5% | 85.0%+5.5pp | 82.8%+7.6pp | 82.1%+8.4pp |
| Annual return | 38.90% | 331.95%-293.0pp | 263.71%-224.8pp | 478.89%-440.0pp |
| Employer contribution / active EE | $3,861 | $5,299-27.1% | $4,831-20.1% | $4,840-20.2% |
| Participant deferral / active EE | $4,860 | $7,752-37.3% | $7,354-33.9% | $6,343-23.4% |
| Admin fee / account holder | $2,431 | $12,561-80.6% | $10,804-77.5% | $12,316-80.3% |