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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 | $50,604 | $132,634-61.8% | $115,768-56.3% | $137,256-63.1% |
| Participation rate | 89.5% | 77.9%+11.6pp | 74.4%+15.1pp | 80.0%+9.5pp |
| Annual return | 16.94% | 160.70%-143.8pp | 100.46%-83.5pp | 220.34%-203.4pp |
| Employer contribution / active EE | $2,617 | $3,360-22.1% | $2,940-11.0% | $4,156-37.0% |
| Participant deferral / active EE | $3,877 | $5,619-31.0% | $4,917-21.1% | $6,407-39.5% |
| Admin fee / account holder | $349 | $15,028-97.7% | $12,439-97.2% | $12,270-97.2% |