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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 | $27,258 | $112,933-75.9% | $90,970-70.0% | $158,982-82.9% |
| Participation rate | 75.0% | 74.7%+0.3pp | 69.0%+6.0pp | 82.0%-7.0pp |
| Annual return | 49.79% | 215.82%-166.0pp | 134.60%-84.8pp | 302.99%-253.2pp |
| Employer contribution / active EE | $2,141 | $2,893-26.0% | $2,122+0.9% | $4,763-55.0% |
| Participant deferral / active EE | $7,259 | $4,128+75.8% | $3,373+115.2% | $5,983+21.3% |
| Admin fee / account holder | $480 | $8,047-94.0% | $5,961-92.0% | $11,252-95.7% |