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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 | $12,108 | $52,353-76.9% | $120,225-89.9% | $82,448-85.3% |
| Participation rate | 94.5% | 58.3%+36.2pp | 69.6%+24.9pp | 68.1%+26.4pp |
| Annual return | 78.98% | 61.85%+17.1pp | 439.23%-360.2pp | 41.64%+37.3pp |
| Employer contribution / active EE | $1,925 | $1,510+27.5% | $3,475-44.6% | $2,551-24.5% |
| Participant deferral / active EE | $3,953 | $2,627+50.5% | $3,999-1.1% | $4,139-4.5% |
| Admin fee / account holder | $501 | $4,363-88.5% | $5,696-91.2% | $7,234-93.1% |