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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 | $48,492 | $67,823-28.5% | $52,425-7.5% | $137,256-64.7% |
| Participation rate | 83.3% | 63.9%+19.4pp | 55.6%+27.7pp | 80.0%+3.4pp |
| Annual return | 37.14% | 219.11%-182.0pp | 302.12%-265.0pp | 220.34%-183.2pp |
| Employer contribution / active EE | $1,518 | $1,163+30.5% | $914+66.0% | $4,156-63.5% |
| Participant deferral / active EE | $9,167 | $2,288+300.7% | $1,790+412.0% | $6,407+43.1% |
| Admin fee / account holder | $350 | $2,844-87.7% | $2,495-86.0% | $12,270-97.1% |