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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 | $22,391 | $100,203-77.7% | $85,240-73.7% | $145,897-84.7% |
| Participation rate | 83.3% | 74.1%+9.2pp | 67.5%+15.8pp | 80.3%+3.0pp |
| Annual return | 14.51% | 84.28%-69.8pp | 66.75%-52.2pp | 552.29%-537.8pp |
| Employer contribution / active EE | $4,850 | $3,242+49.6% | $2,735+77.3% | $4,663+4.0% |
| Participant deferral / active EE | $4,783 | $5,299-9.7% | $4,527+5.7% | $6,689-28.5% |
| Admin fee / account holder | $4,112 | $7,265-43.4% | $6,165-33.3% | $13,390-69.3% |