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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 | $44,167 | $63,346-30.3% | $92,240-52.1% | $70,126-37.0% |
| Participation rate | 95.2% | 68.7%+26.6pp | 76.5%+18.8pp | 69.5%+25.7pp |
| Annual return | 27.80% | 530.19%-502.4pp | 176.29%-148.5pp | 73.15%-45.3pp |
| Employer contribution / active EE | $2,679 | $2,471+8.4% | $3,680-27.2% | $2,343+14.4% |
| Participant deferral / active EE | $4,801 | $2,854+68.2% | $3,897+23.2% | $3,332+44.1% |
| Admin fee / account holder | $528 | $3,841-86.3% | $5,194-89.8% | $4,645-88.6% |