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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 | $57,945 | $150,346-61.5% | $120,524-51.9% | $145,877-60.3% |
| Participation rate | 83.3% | 78.8%+4.5pp | 71.9%+11.4pp | 80.3%+3.0pp |
| Annual return | 13.39% | 154.40%-141.0pp | 107.36%-94.0pp | 551.28%-537.9pp |
| Employer contribution / active EE | $4,633 | $4,353+6.4% | $3,469+33.6% | $4,663-0.6% |
| Participant deferral / active EE | $5,556 | $6,172-10.0% | $4,994+11.3% | $6,691-17.0% |
| Admin fee / account holder | $731 | $12,215-94.0% | $9,440-92.3% | $13,402-94.5% |