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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 | $20,534 | $72,071-71.5% | $68,368-70.0% | $137,256-85.0% |
| Participation rate | 90.9% | 76.2%+14.7pp | 73.8%+17.2pp | 80.0%+10.9pp |
| Annual return | 31.73% | 353.14%-321.4pp | 292.57%-260.8pp | 220.34%-188.6pp |
| Employer contribution / active EE | $3,008 | $2,788+7.9% | $2,649+13.5% | $4,156-27.6% |
| Participant deferral / active EE | $7,179 | $4,410+62.8% | $4,123+74.1% | $6,407+12.1% |
| Admin fee / account holder | $3,540 | $5,336-33.6% | $5,150-31.3% | $12,270-71.1% |