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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 | $34,046 | $55,423-38.6% | $155,602-78.1% | $74,400-54.2% |
| Participation rate | 74.7% | 61.9%+12.8pp | 78.2%-3.5pp | 67.2%+7.5pp |
| Annual return | 36.40% | 269.07%-232.7pp | 64.81%-28.4pp | 1367.51%-1331.1pp |
| Employer contribution / active EE | $3,960 | $2,266+74.8% | $4,675-15.3% | $2,624+50.9% |
| Participant deferral / active EE | $7,808 | $2,835+175.4% | $5,629+38.7% | $4,348+79.6% |
| Admin fee / account holder | $2,244 | $1,744+28.6% | $15,923-85.9% | $1,944+15.5% |