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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 | $66,005 | $121,677-45.8% | $104,625-36.9% | $158,966-58.5% |
| Participation rate | 85.7% | 77.5%+8.2pp | 74.1%+11.6pp | 82.0%+3.8pp |
| Annual return | 37.91% | 465.58%-427.7pp | 340.60%-302.7pp | 302.95%-265.0pp |
| Employer contribution / active EE | $1,501 | $3,165-52.6% | $2,681-44.0% | $4,762-68.5% |
| Participant deferral / active EE | $4,375 | $4,175+4.8% | $3,738+17.0% | $5,983-26.9% |
| Admin fee / account holder | $2,778 | $7,777-64.3% | $6,465-57.0% | $11,250-75.3% |