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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 | $51,133 | $106,008-51.8% | $92,240-44.6% | $147,586-65.4% |
| Participation rate | 83.3% | 80.4%+2.9pp | 76.5%+6.9pp | 82.8%+0.5pp |
| Annual return | 15.72% | 50.05%-34.3pp | 176.29%-160.6pp | 578.59%-562.9pp |
| Employer contribution / active EE | $3,967 | $4,333-8.5% | $3,680+7.8% | $4,876-18.6% |
| Participant deferral / active EE | $4,734 | $4,478+5.7% | $3,897+21.5% | $5,439-13.0% |
| Admin fee / account holder | $1,037 | $6,333-83.6% | $5,194-80.0% | $10,886-90.5% |