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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 | $29,998 | $183,539-83.7% | $155,556-80.7% | $145,897-79.4% |
| Participation rate | 95.7% | 82.7%+12.9pp | 78.2%+17.4pp | 80.3%+15.3pp |
| Annual return | 14.31% | 61.31%-47.0pp | 64.84%-50.5pp | 552.29%-538.0pp |
| Employer contribution / active EE | $2,412 | $5,315-54.6% | $4,675-48.4% | $4,663-48.3% |
| Participant deferral / active EE | $3,996 | $6,467-38.2% | $5,631-29.0% | $6,689-40.3% |
| Admin fee / account holder | $1,066 | $19,275-94.5% | $15,885-93.3% | $13,390-92.0% |