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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 | $52,248 | $97,765-46.6% | $103,486-49.5% | $145,884-64.2% |
| Participation rate | 95.8% | 81.1%+14.7pp | 80.5%+15.3pp | 80.3%+15.5pp |
| Annual return | 91.77% | 25.44%+66.3pp | 23.93%+67.8pp | 551.85%-460.1pp |
| Employer contribution / active EE | $3,940 | $4,687-15.9% | $4,679-15.8% | $4,662-15.5% |
| Participant deferral / active EE | $2,345 | $6,606-64.5% | $6,628-64.6% | $6,690-64.9% |
| Admin fee / account holder | $3,277 | $12,505-73.8% | $9,354-65.0% | $13,392-75.5% |