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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 | $45,073 | $63,346-28.8% | $92,239-51.1% | $70,124-35.7% |
| Participation rate | 88.0% | 68.7%+19.3pp | 76.5%+11.5pp | 69.5%+18.5pp |
| Annual return | 20.24% | 530.19%-509.9pp | 176.29%-156.0pp | 73.14%-52.9pp |
| Employer contribution / active EE | $2,500 | $2,471+1.2% | $3,680-32.1% | $2,342+6.7% |
| Participant deferral / active EE | $4,606 | $2,854+61.4% | $3,897+18.2% | $3,332+38.3% |
| Admin fee / account holder | $861 | $3,841-77.6% | $5,194-83.4% | $4,645-81.5% |