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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 | $44,528 | $84,708-47.4% | $75,714-41.2% | $167,536-73.4% |
| Participation rate | 92.3% | 77.8%+14.5pp | 74.8%+17.5pp | 82.1%+10.2pp |
| Annual return | 13.53% | 199.62%-186.1pp | 104.62%-91.1pp | 478.82%-465.3pp |
| Employer contribution / active EE | $6,140 | $3,231+90.0% | $2,744+123.8% | $4,839+26.9% |
| Participant deferral / active EE | $8,166 | $4,577+78.4% | $3,820+113.7% | $6,342+28.8% |
| Admin fee / account holder | $4,796 | $5,358-10.5% | $3,619+32.5% | $12,315-61.1% |