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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 | $27,341 | $75,832-63.9% | $147,617-81.5% | $59,633-54.2% |
| Participation rate | 91.4% | 71.6%+19.8pp | 84.6%+6.8pp | 68.7%+22.7pp |
| Annual return | -0.36% | 0.37%-0.7pp | 61.98%-62.3pp | 2041.45%-2041.8pp |
| Employer contribution / active EE | $2,813 | $3,485-19.3% | $5,564-49.5% | $2,203+27.7% |
| Participant deferral / active EE | $2,529 | $3,131-19.2% | $4,895-48.3% | $3,192-20.8% |
| Admin fee / account holder | $1,954 | $5,986-67.4% | $11,612-83.2% | $4,297-54.5% |