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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 | $48,317 | $104,924-54.0% | $84,623-42.9% | $152,885-68.4% |
| Participation rate | 91.7% | 74.8%+16.8pp | 68.2%+23.4pp | 82.5%+9.2pp |
| Annual return | 21.61% | 373.82%-352.2pp | 258.77%-237.2pp | 345.39%-323.8pp |
| Employer contribution / active EE | $4,806 | $3,302+45.5% | $2,652+81.2% | $4,763+0.9% |
| Participant deferral / active EE | $4,362 | $4,689-7.0% | $3,899+11.9% | $5,851-25.4% |
| Admin fee / account holder | $3,370 | $6,242-46.0% | $4,913-31.4% | $11,598-70.9% |