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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 | $46,208 | $86,891-46.8% | $142,516-67.6% | $75,177-38.5% |
| Participation rate | 81.1% | 68.5%+12.6pp | 76.8%+4.3pp | 67.2%+13.9pp |
| Annual return | 949.26% | 23.31%+926.0pp | 20.03%+929.2pp | 160.75%+788.5pp |
| Employer contribution / active EE | $3,833 | $3,355+14.3% | $4,849-20.9% | $2,671+43.5% |
| Participant deferral / active EE | $9,346 | $4,938+89.3% | $6,280+48.8% | $4,126+126.5% |
| Admin fee / account holder | $3,412 | $7,299-53.3% | $10,008-65.9% | $5,651-39.6% |