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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 | $46,503 | $55,902-16.8% | $76,030-38.8% | $80,959-42.6% |
| Participation rate | 96.3% | 62.1%+34.2pp | 69.1%+27.2pp | 67.7%+28.6pp |
| Annual return | 88.30% | 20.59%+67.7pp | 361.54%-273.2pp | 35.67%+52.6pp |
| Employer contribution / active EE | $2,562 | $1,867+37.2% | $2,688-4.7% | $2,757-7.1% |
| Participant deferral / active EE | $4,274 | $3,051+40.1% | $4,257+0.4% | $4,300-0.6% |
| Admin fee / account holder | $2,225 | $5,239-57.5% | $6,421-65.3% | $6,925-67.9% |