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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 | $46,589 | $63,342-26.4% | $92,236-49.5% | $70,131-33.6% |
| Participation rate | 98.0% | 68.7%+29.3pp | 76.5%+21.5pp | 69.5%+28.4pp |
| Annual return | 12.61% | 530.15%-517.5pp | 176.29%-163.7pp | 73.14%-60.5pp |
| Employer contribution / active EE | $2,632 | $2,471+6.5% | $3,679-28.5% | $2,342+12.4% |
| Participant deferral / active EE | $2,623 | $2,854-8.1% | $3,897-32.7% | $3,332-21.3% |
| Admin fee / account holder | $637 | $3,840-83.4% | $5,194-87.7% | $4,645-86.3% |