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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 | $12,806 | $149,040-91.4% | $120,225-89.3% | $137,256-90.7% |
| Participation rate | 92.3% | 75.4%+16.9pp | 69.6%+22.7pp | 80.0%+12.3pp |
| Annual return | 18.22% | 605.68%-587.5pp | 439.23%-421.0pp | 220.34%-202.1pp |
| Employer contribution / active EE | $1,801 | $4,350-58.6% | $3,475-48.2% | $4,156-56.7% |
| Participant deferral / active EE | $3,316 | $4,655-28.8% | $3,999-17.1% | $6,407-48.2% |
| Admin fee / account holder | $3,626 | $6,348-42.9% | $5,696-36.4% | $12,270-70.5% |