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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 | $37,500 | $149,040-74.8% | $120,225-68.8% | $137,256-72.7% |
| Participation rate | 77.8% | 75.4%+2.4pp | 69.6%+8.2pp | 80.0%-2.2pp |
| Annual return | 16.47% | 605.68%-589.2pp | 439.23%-422.8pp | 220.34%-203.9pp |
| Employer contribution / active EE | $2,839 | $4,350-34.7% | $3,475-18.3% | $4,156-31.7% |
| Participant deferral / active EE | $8,532 | $4,655+83.3% | $3,999+113.4% | $6,407+33.2% |
| Admin fee / account holder | $4,556 | $6,348-28.2% | $5,696-20.0% | $12,270-62.9% |