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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 | $84,713-47.4% | $75,717-41.2% | $167,518-73.4% |
| Participation rate | 92.3% | 77.8%+14.5pp | 74.8%+17.5pp | 82.1%+10.2pp |
| Annual return | 13.53% | 199.49%-186.0pp | 104.58%-91.1pp | 478.71%-465.2pp |
| Employer contribution / active EE | $6,140 | $3,229+90.1% | $2,743+123.9% | $4,838+26.9% |
| Participant deferral / active EE | $8,166 | $4,578+78.4% | $3,821+113.7% | $6,342+28.8% |
| Admin fee / account holder | $4,796 | $5,357-10.5% | $3,619+32.5% | $12,312-61.0% |