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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 | $37,971 | $114,093-66.7% | $96,171-60.5% | $167,536-77.3% |
| Participation rate | 95.0% | 75.1%+19.9pp | 68.4%+26.6pp | 82.1%+12.9pp |
| Annual return | 14.00% | 190.00%-176.0pp | 192.04%-178.0pp | 478.82%-464.8pp |
| Employer contribution / active EE | $3,437 | $3,429+0.2% | $2,799+22.8% | $4,839-29.0% |
| Participant deferral / active EE | $4,294 | $5,197-17.4% | $4,350-1.3% | $6,342-32.3% |
| Admin fee / account holder | $2,861 | $6,899-58.5% | $5,538-48.3% | $12,315-76.8% |