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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 | $85,204 | $63,346+34.5% | $92,240-7.6% | $70,126+21.5% |
| Participation rate | 93.5% | 68.7%+24.9pp | 76.5%+17.1pp | 69.5%+24.0pp |
| Annual return | 14.83% | 530.19%-515.4pp | 176.29%-161.5pp | 73.15%-58.3pp |
| Employer contribution / active EE | $2,862 | $2,471+15.8% | $3,680-22.2% | $2,343+22.2% |
| Participant deferral / active EE | $5,824 | $2,854+104.1% | $3,897+49.5% | $3,332+74.8% |
| Admin fee / account holder | $2,299 | $3,841-40.1% | $5,194-55.7% | $4,645-50.5% |