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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 | $58,924 | $160,028-63.2% | $147,080-59.9% | $145,884-59.6% |
| Participation rate | 77.8% | 84.0%-6.2pp | 82.2%-4.4pp | 80.3%-2.5pp |
| Annual return | 57.65% | 98.60%-40.9pp | 420.17%-362.5pp | 551.85%-494.2pp |
| Employer contribution / active EE | $3,341 | $5,286-36.8% | $4,933-32.3% | $4,662-28.3% |
| Participant deferral / active EE | $7,728 | $8,422-8.2% | $8,066-4.2% | $6,690+15.5% |
| Admin fee / account holder | $3,720 | $15,030-75.3% | $12,989-71.4% | $13,392-72.2% |