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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 | $31,589 | $63,861-50.5% | $104,614-69.8% | $79,858-60.4% |
| Participation rate | 95.2% | 64.9%+30.3pp | 74.1%+21.2pp | 69.6%+25.6pp |
| Annual return | 69.72% | 21.30%+48.4pp | 340.56%-270.8pp | 31.72%+38.0pp |
| Employer contribution / active EE | $2,853 | $1,588+79.6% | $2,681+6.4% | $2,471+15.5% |
| Participant deferral / active EE | $4,924 | $2,693+82.8% | $3,739+31.7% | $3,740+31.6% |
| Admin fee / account holder | $307 | $4,185-92.7% | $6,464-95.2% | $5,306-94.2% |