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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 | $77,632 | $107,353-27.7% | $92,903-16.4% | $152,885-49.2% |
| Participation rate | 93.3% | 79.8%+13.5pp | 76.0%+17.3pp | 82.5%+10.9pp |
| Annual return | 18.26% | 145.62%-127.4pp | 109.43%-91.2pp | 345.39%-327.1pp |
| Employer contribution / active EE | $5,995 | $4,222+42.0% | $3,653+64.1% | $4,763+25.9% |
| Participant deferral / active EE | $3,337 | $4,848-31.2% | $4,238-21.2% | $5,851-43.0% |
| Admin fee / account holder | $563 | $7,081-92.0% | $5,795-90.3% | $11,598-95.1% |