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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 | $59,346 | $84,236-29.5% | $170,439-65.2% | $70,124-15.4% |
| Participation rate | 95.1% | 70.8%+24.3pp | 83.6%+11.5pp | 69.5%+25.6pp |
| Annual return | 90.36% | 23.06%+67.3pp | 205.94%-115.6pp | 73.14%+17.2pp |
| Employer contribution / active EE | $4,099 | $3,387+21.0% | $5,433-24.6% | $2,342+75.0% |
| Participant deferral / active EE | $3,748 | $3,086+21.5% | $4,939-24.1% | $3,332+12.5% |
| Admin fee / account holder | $3,754 | $5,698-34.1% | $13,881-73.0% | $4,645-19.2% |