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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 | $32,334 | $102,422-68.4% | $147,117-78.0% | $80,959-60.1% |
| Participation rate | 98.0% | 75.9%+22.1pp | 82.2%+15.8pp | 67.7%+30.3pp |
| Annual return | 32.43% | 135.16%-102.7pp | 420.54%-388.1pp | 35.67%-3.2pp |
| Employer contribution / active EE | $4,910 | $3,717+32.1% | $4,932-0.5% | $2,757+78.1% |
| Participant deferral / active EE | $8,049 | $6,652+21.0% | $8,065-0.2% | $4,300+87.2% |
| Admin fee / account holder | $716 | $7,953-91.0% | $12,993-94.5% | $6,925-89.7% |