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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 | $45,430 | $114,073-60.2% | $96,161-52.8% | $167,518-72.9% |
| Participation rate | 76.2% | 75.1%+1.1pp | 68.4%+7.7pp | 82.1%-5.9pp |
| Annual return | 22.31% | 189.95%-167.6pp | 192.01%-169.7pp | 478.71%-456.4pp |
| Employer contribution / active EE | $4,301 | $3,428+25.5% | $2,798+53.7% | $4,838-11.1% |
| Participant deferral / active EE | $10,640 | $5,195+104.8% | $4,349+144.6% | $6,342+67.8% |
| Admin fee / account holder | $691 | $6,899-90.0% | $5,538-87.5% | $12,312-94.4% |