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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 | $62,782 | $149,040-57.9% | $120,225-47.8% | $137,256-54.3% |
| Participation rate | 83.3% | 75.4%+7.9pp | 69.6%+13.8pp | 80.0%+3.4pp |
| Annual return | 13.20% | 605.68%-592.5pp | 439.23%-426.0pp | 220.34%-207.1pp |
| Employer contribution / active EE | $1,078 | $4,350-75.2% | $3,475-69.0% | $4,156-74.1% |
| Participant deferral / active EE | $6,559 | $4,655+40.9% | $3,999+64.0% | $6,407+2.4% |
| Admin fee / account holder | $3,790 | $6,348-40.3% | $5,696-33.5% | $12,270-69.1% |