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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 | $36,707 | $63,346-42.1% | $92,240-60.2% | $70,126-47.7% |
| Participation rate | 90.5% | 68.7%+21.9pp | 76.5%+14.1pp | 69.5%+21.0pp |
| Annual return | 19.23% | 530.19%-511.0pp | 176.29%-157.1pp | 73.15%-53.9pp |
| Employer contribution / active EE | $3,414 | $2,471+38.1% | $3,680-7.2% | $2,343+45.7% |
| Participant deferral / active EE | $3,537 | $2,854+23.9% | $3,897-9.2% | $3,332+6.1% |
| Admin fee / account holder | $1,857 | $3,841-51.6% | $5,194-64.2% | $4,645-60.0% |