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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 | $31,071 | $98,760-68.5% | $149,715-79.2% | $79,858-61.1% |
| Participation rate | 96.7% | 75.8%+20.9pp | 82.5%+14.2pp | 69.6%+27.0pp |
| Annual return | 131.68% | 27.43%+104.2pp | 276.66%-145.0pp | 31.72%+100.0pp |
| Employer contribution / active EE | $3,523 | $3,217+9.5% | $4,645-24.1% | $2,471+42.6% |
| Participant deferral / active EE | $7,445 | $5,681+31.1% | $6,842+8.8% | $3,740+99.1% |
| Admin fee / account holder | $1,232 | $6,053-79.6% | $9,310-86.8% | $5,306-76.8% |