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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 | $28,359 | $124,346-77.2% | $111,308-74.5% | $167,536-83.1% |
| Participation rate | 95.2% | 79.6%+15.6pp | 77.3%+17.9pp | 82.1%+13.1pp |
| Annual return | 52.91% | 37.45%+15.5pp | 54.67%-1.8pp | 478.82%-425.9pp |
| Employer contribution / active EE | $2,751 | $3,437-20.0% | $2,732+0.7% | $4,839-43.2% |
| Participant deferral / active EE | $4,146 | $5,182-20.0% | $4,487-7.6% | $6,342-34.6% |
| Admin fee / account holder | $19,503 | $10,621+83.6% | $7,965+144.9% | $12,315+58.4% |