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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 | $64,049 | $63,346+1.1% | $92,240-30.6% | $70,126-8.7% |
| Participation rate | 88.5% | 68.7%+19.8pp | 76.5%+12.0pp | 69.5%+18.9pp |
| Annual return | 13.24% | 530.19%-517.0pp | 176.29%-163.1pp | 73.15%-59.9pp |
| Employer contribution / active EE | $3,061 | $2,471+23.9% | $3,680-16.8% | $2,343+30.7% |
| Participant deferral / active EE | $4,079 | $2,854+42.9% | $3,897+4.7% | $3,332+22.4% |
| Admin fee / account holder | $2,241 | $3,841-41.6% | $5,194-56.8% | $4,645-51.8% |