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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 | $47,104 | $63,346-25.6% | $92,240-48.9% | $70,126-32.8% |
| Participation rate | 95.6% | 68.7%+26.9pp | 76.5%+19.1pp | 69.5%+26.0pp |
| Annual return | 15.96% | 530.19%-514.2pp | 176.29%-160.3pp | 73.15%-57.2pp |
| Employer contribution / active EE | $2,948 | $2,471+19.3% | $3,680-19.9% | $2,343+25.8% |
| Participant deferral / active EE | $1,455 | $2,854-49.0% | $3,897-62.7% | $3,332-56.3% |
| Admin fee / account holder | $1,412 | $3,841-63.2% | $5,194-72.8% | $4,645-69.6% |