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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 | $72,184 | $49,199+46.7% | $121,210-40.4% | $75,177-4.0% |
| Participation rate | 92.3% | 55.4%+36.9pp | 69.5%+22.8pp | 67.2%+25.1pp |
| Annual return | 15.36% | 56.04%-40.7pp | 987.41%-972.1pp | 160.75%-145.4pp |
| Employer contribution / active EE | $3,807 | $1,547+146.0% | $4,171-8.7% | $2,671+42.5% |
| Participant deferral / active EE | $3,525 | $2,630+34.0% | $4,084-13.7% | $4,126-14.6% |
| Admin fee / account holder | $574 | $3,946-85.5% | $5,647-89.8% | $5,651-89.8% |