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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 | $30,269 | $100,203-69.8% | $85,240-64.5% | $145,897-79.3% |
| Participation rate | 92.3% | 74.1%+18.2pp | 67.5%+24.8pp | 80.3%+12.0pp |
| Annual return | 19.84% | 84.28%-64.4pp | 66.75%-46.9pp | 552.29%-532.4pp |
| Employer contribution / active EE | $8,767 | $3,242+170.5% | $2,735+220.5% | $4,663+88.0% |
| Participant deferral / active EE | $4,774 | $5,299-9.9% | $4,527+5.5% | $6,689-28.6% |
| Admin fee / account holder | $12,363 | $7,265+70.2% | $6,165+100.5% | $13,390-7.7% |