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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 | $63,274 | $115,810-45.4% | $101,271-37.5% | $158,966-60.2% |
| Participation rate | 94.1% | 79.4%+14.8pp | 75.8%+18.3pp | 82.0%+12.2pp |
| Annual return | 10.92% | 56.15%-45.2pp | 46.48%-35.6pp | 302.95%-292.0pp |
| Employer contribution / active EE | $1,805 | $4,175-56.8% | $3,660-50.7% | $4,762-62.1% |
| Participant deferral / active EE | $5,128 | $4,958+3.4% | $4,371+17.3% | $5,983-14.3% |
| Admin fee / account holder | $8,829 | $7,248+21.8% | $5,948+48.5% | $11,250-21.5% |