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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 | $40,496 | $72,071-43.8% | $68,368-40.8% | $137,256-70.5% |
| Participation rate | 85.7% | 76.2%+9.5pp | 73.8%+12.0pp | 80.0%+5.8pp |
| Annual return | 22.76% | 353.14%-330.4pp | 292.57%-269.8pp | 220.34%-197.6pp |
| Employer contribution / active EE | $3,216 | $2,788+15.4% | $2,649+21.4% | $4,156-22.6% |
| Participant deferral / active EE | $8,078 | $4,410+83.2% | $4,123+95.9% | $6,407+26.1% |
| Admin fee / account holder | $393 | $5,336-92.6% | $5,150-92.4% | $12,270-96.8% |