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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 | $44,160 | $63,346-30.3% | $92,240-52.1% | $70,126-37.0% |
| Participation rate | 78.4% | 68.7%+9.7pp | 76.5%+1.9pp | 69.5%+8.8pp |
| Annual return | 14.92% | 530.19%-515.3pp | 176.29%-161.4pp | 73.15%-58.2pp |
| Employer contribution / active EE | $3,353 | $2,471+35.7% | $3,680-8.9% | $2,343+43.1% |
| Participant deferral / active EE | $2,746 | $2,854-3.8% | $3,897-29.5% | $3,332-17.6% |
| Admin fee / account holder | $565 | $3,841-85.3% | $5,194-89.1% | $4,645-87.8% |