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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 | $49,248 | $78,682-37.4% | $109,188-54.9% | $85,851-42.6% |
| Participation rate | 88.4% | 68.3%+20.1pp | 75.9%+12.5pp | 69.3%+19.1pp |
| Annual return | 95.83% | 25.09%+70.7pp | 25.76%+70.1pp | 318.63%-222.8pp |
| Employer contribution / active EE | $3,645 | $2,734+33.3% | $3,723-2.1% | $2,565+42.1% |
| Participant deferral / active EE | $1,856 | $3,468-46.5% | $4,654-60.1% | $3,952-53.0% |
| Admin fee / account holder | $708 | $5,470-87.1% | $6,755-89.5% | $6,261-88.7% |