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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 | $52,863 | $102,422-48.4% | $147,117-64.1% | $80,959-34.7% |
| Participation rate | 97.6% | 75.9%+21.7pp | 82.2%+15.4pp | 67.7%+29.9pp |
| Annual return | 18.35% | 135.16%-116.8pp | 420.54%-402.2pp | 35.67%-17.3pp |
| Employer contribution / active EE | $4,593 | $3,717+23.5% | $4,932-6.9% | $2,757+66.6% |
| Participant deferral / active EE | $11,107 | $6,652+67.0% | $8,065+37.7% | $4,300+158.3% |
| Admin fee / account holder | $3,960 | $7,953-50.2% | $12,993-69.5% | $6,925-42.8% |