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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 | $49,653 | $99,079-49.9% | $78,002-36.3% | $273,972-81.9% |
| Participation rate | 95.8% | 78.6%+17.3pp | 75.5%+20.3pp | 83.0%+12.8pp |
| Annual return | 8.76% | 217.93%-209.2pp | 425.99%-417.2pp | 41.46%-32.7pp |
| Employer contribution / active EE | $3,066 | $3,308-7.3% | $2,470+24.1% | $4,869-37.0% |
| Participant deferral / active EE | $6,417 | $4,306+49.0% | $3,497+83.5% | $5,287+21.4% |
| Admin fee / account holder | $1,478 | $8,954-83.5% | $5,481-73.0% | $10,133-85.4% |