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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 | $37,179 | $105,200-64.7% | $159,474-76.7% | $85,847-56.7% |
| Participation rate | 86.7% | 75.8%+10.9pp | 82.8%+3.8pp | 69.3%+17.3pp |
| Annual return | 15.22% | 45.08%-29.9pp | 263.68%-248.5pp | 318.61%-303.4pp |
| Employer contribution / active EE | $11,357 | $3,319+242.2% | $4,831+135.1% | $2,565+342.7% |
| Participant deferral / active EE | $4,572 | $5,946-23.1% | $7,353-37.8% | $3,952+15.7% |
| Admin fee / account holder | $405 | $6,934-94.2% | $10,802-96.3% | $6,261-93.5% |