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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 | $36,945 | $63,346-41.7% | $92,240-59.9% | $70,126-47.3% |
| Participation rate | 92.1% | 68.7%+23.4pp | 76.5%+15.6pp | 69.5%+22.6pp |
| Annual return | 22.48% | 530.19%-507.7pp | 176.29%-153.8pp | 73.15%-50.7pp |
| Employer contribution / active EE | $2,110 | $2,471-14.6% | $3,680-42.7% | $2,343-9.9% |
| Participant deferral / active EE | $5,144 | $2,854+80.2% | $3,897+32.0% | $3,332+54.4% |
| Admin fee / account holder | $1,716 | $3,841-55.3% | $5,194-67.0% | $4,645-63.1% |