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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 | $94,716 | $53,063+78.5% | $124,206-23.7% | $82,637+14.6% |
| Participation rate | 97.4% | 58.4%+39.0pp | 69.6%+27.8pp | 68.1%+29.3pp |
| Annual return | 23.24% | 68.87%-45.6pp | 515.27%-492.0pp | 53.51%-30.3pp |
| Employer contribution / active EE | $3,250 | $1,530+112.4% | $3,540-8.2% | $2,552+27.4% |
| Participant deferral / active EE | $7,610 | $2,644+187.8% | $3,968+91.8% | $4,126+84.4% |
| Admin fee / account holder | $5,701 | $4,281+33.2% | $5,929-3.8% | $7,339-22.3% |