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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 | $33,456 | $70,666-52.7% | $169,385-80.2% | $75,181-55.5% |
| Participation rate | 93.1% | 64.8%+28.3pp | 77.2%+15.9pp | 67.2%+25.9pp |
| Annual return | 36.08% | 36.37%-0.3pp | 405.82%-369.7pp | 160.69%-124.6pp |
| Employer contribution / active EE | $4,984 | $2,210+125.5% | $4,012+24.2% | $2,671+86.6% |
| Participant deferral / active EE | $6,299 | $4,308+46.2% | $6,221+1.3% | $4,126+52.7% |
| Admin fee / account holder | $1,467 | $5,402-72.8% | $9,011-83.7% | $5,650-74.0% |