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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 | $55,437-38.6% | $155,534-78.1% | $74,459-54.3% |
| Participation rate | 74.7% | 61.9%+12.8pp | 78.2%-3.5pp | 67.2%+7.5pp |
| Annual return | 36.40% | 269.58%-233.2pp | 64.92%-28.5pp | 1369.70%-1333.3pp |
| Employer contribution / active EE | $3,960 | $2,266+74.7% | $4,675-15.3% | $2,626+50.8% |
| Participant deferral / active EE | $7,808 | $2,837+175.2% | $5,630+38.7% | $4,350+79.5% |
| Admin fee / account holder | $2,244 | $1,742+28.8% | $15,900-85.9% | $1,945+15.4% |