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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 | $53,897 | $79,089-31.9% | $100,392-46.3% | $74,459-27.6% |
| Participation rate | 97.6% | 79.4%+18.2pp | 81.5%+16.1pp | 67.2%+30.4pp |
| Annual return | 222.05% | 20.61%+201.4pp | 49.45%+172.6pp | 1369.70%-1147.7pp |
| Employer contribution / active EE | $3,826 | $3,015+26.9% | $3,941-2.9% | $2,626+45.7% |
| Participant deferral / active EE | $9,035 | $7,747+16.6% | $8,090+11.7% | $4,350+107.7% |
| Admin fee / account holder | $10,268 | $1,336+668.5% | $7,904+29.9% | $1,945+428.0% |