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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 | $35,075 | $102,429-65.8% | $147,096-76.2% | $80,925-56.7% |
| Participation rate | 93.8% | 75.9%+17.9pp | 82.2%+11.6pp | 67.7%+26.1pp |
| Annual return | 42.45% | 135.02%-92.6pp | 419.75%-377.3pp | 35.65%+6.8pp |
| Employer contribution / active EE | $3,580 | $3,716-3.6% | $4,936-27.5% | $2,756+29.9% |
| Participant deferral / active EE | $7,605 | $6,649+14.4% | $8,071-5.8% | $4,299+76.9% |
| Admin fee / account holder | $4,569 | $7,957-42.6% | $13,005-64.9% | $6,940-34.2% |