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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 | $48,690 | $102,422-52.5% | $147,117-66.9% | $80,959-39.9% |
| Participation rate | 95.2% | 75.9%+19.4pp | 82.2%+13.1pp | 67.7%+27.6pp |
| Annual return | 35.20% | 135.16%-100.0pp | 420.54%-385.3pp | 35.67%-0.5pp |
| Employer contribution / active EE | $5,147 | $3,717+38.4% | $4,932+4.3% | $2,757+86.7% |
| Participant deferral / active EE | $9,459 | $6,652+42.2% | $8,065+17.3% | $4,300+119.9% |
| Admin fee / account holder | $326 | $7,953-95.9% | $12,993-97.5% | $6,925-95.3% |