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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 | $76,855 | $63,346+21.3% | $92,240-16.7% | $70,126+9.6% |
| Participation rate | 94.1% | 68.7%+25.4pp | 76.5%+17.6pp | 69.5%+24.6pp |
| Annual return | 16.91% | 530.19%-513.3pp | 176.29%-159.4pp | 73.15%-56.2pp |
| Employer contribution / active EE | $3,667 | $2,471+48.4% | $3,680-0.4% | $2,343+56.5% |
| Participant deferral / active EE | $2,457 | $2,854-13.9% | $3,897-36.9% | $3,332-26.3% |
| Admin fee / account holder | $3,043 | $3,841-20.8% | $5,194-41.4% | $4,645-34.5% |