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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 | $68,938 | $107,421-35.8% | $182,262-62.2% | $94,015-26.7% |
| Participation rate | 95.7% | 77.8%+17.9pp | 84.2%+11.4pp | 70.8%+24.8pp |
| Annual return | 128.23% | 21.32%+106.9pp | 140.60%-12.4pp | 17.84%+110.4pp |
| Employer contribution / active EE | $1,847 | $3,448-46.4% | $5,046-63.4% | $2,790-33.8% |
| Participant deferral / active EE | $3,465 | $6,558-47.2% | $8,276-58.1% | $4,249-18.4% |
| Admin fee / account holder | $3,430 | $8,692-60.5% | $16,712-79.5% | $8,951-61.7% |