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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 | $70,366-70.8% | $66,674-69.2% | $138,895-85.2% |
| Participation rate | 90.9% | 76.2%+14.7pp | 73.7%+17.2pp | 79.9%+11.0pp |
| Annual return | 31.73% | 386.41%-354.7pp | 321.24%-289.5pp | 145.39%-113.7pp |
| Employer contribution / active EE | $3,008 | $2,765+8.8% | $2,620+14.8% | $4,194-28.3% |
| Participant deferral / active EE | $7,179 | $4,374+64.1% | $4,084+75.8% | $6,396+12.2% |
| Admin fee / account holder | $3,540 | $5,262-32.7% | $5,098-30.6% | $12,562-71.8% |