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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 | $48,375 | $176,105-72.5% | $159,474-69.7% | $167,536-71.1% |
| Participation rate | 94.7% | 85.0%+9.8pp | 82.8%+11.9pp | 82.1%+12.6pp |
| Annual return | 43.05% | 331.91%-288.9pp | 263.68%-220.6pp | 478.82%-435.8pp |
| Employer contribution / active EE | $2,603 | $5,299-50.9% | $4,831-46.1% | $4,839-46.2% |
| Participant deferral / active EE | $4,469 | $7,751-42.3% | $7,353-39.2% | $6,342-29.5% |
| Admin fee / account holder | $1,001 | $12,559-92.0% | $10,802-90.7% | $12,315-91.9% |