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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 | $38,326 | $47,848-19.9% | $81,473-53.0% | $70,126-45.3% |
| Participation rate | 87.1% | 58.3%+28.8pp | 68.0%+19.1pp | 69.5%+17.6pp |
| Annual return | 419.16% | 27.25%+391.9pp | 38.78%+380.4pp | 73.15%+346.0pp |
| Employer contribution / active EE | $5,315 | $1,527+248.0% | $2,568+107.0% | $2,343+126.9% |
| Participant deferral / active EE | $7,151 | $2,453+191.5% | $3,537+102.2% | $3,332+114.6% |
| Admin fee / account holder | $801 | $3,145-74.5% | $4,561-82.4% | $4,645-82.8% |