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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 | $83,049 | $58,275+42.5% | $81,844+1.5% | $80,935+2.6% |
| Participation rate | 96.9% | 63.5%+33.4pp | 72.4%+24.5pp | 67.7%+29.2pp |
| Annual return | 13.32% | 41.82%-28.5pp | 778.87%-765.5pp | 35.66%-22.3pp |
| Employer contribution / active EE | $5,872 | $2,346+150.3% | $2,916+101.3% | $2,757+113.0% |
| Participant deferral / active EE | $4,695 | $3,285+42.9% | $4,323+8.6% | $4,299+9.2% |
| Admin fee / account holder | $3,698 | $4,749-22.1% | $7,355-49.7% | $6,924-46.6% |