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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 | $64,883 | $63,346+2.4% | $92,240-29.7% | $70,126-7.5% |
| Participation rate | 90.3% | 68.7%+21.7pp | 76.5%+13.8pp | 69.5%+20.8pp |
| Annual return | 21.06% | 530.19%-509.1pp | 176.29%-155.2pp | 73.15%-52.1pp |
| Employer contribution / active EE | $8,561 | $2,471+246.4% | $3,680+132.7% | $2,343+265.5% |
| Participant deferral / active EE | $4,930 | $2,854+72.8% | $3,897+26.5% | $3,332+48.0% |
| Admin fee / account holder | $1,390 | $3,841-63.8% | $5,194-73.2% | $4,645-70.1% |