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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 | $47,645 | $102,663-53.6% | $86,216-44.7% | $139,466-65.8% |
| Participation rate | 85.7% | 74.5%+11.2pp | 69.0%+16.8pp | 80.3%+5.4pp |
| Annual return | 13.89% | 1924.52%-1910.6pp | 1169.42%-1155.5pp | 373.66%-359.8pp |
| Employer contribution / active EE | $5,848 | $3,035+92.7% | $2,382+145.6% | $4,754+23.0% |
| Participant deferral / active EE | $5,154 | $4,677+10.2% | $3,986+29.3% | $6,712-23.2% |
| Admin fee / account holder | $322 | $8,663-96.3% | $6,853-95.3% | $11,409-97.2% |