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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 | $51,682 | $60,139-14.1% | $90,461-42.9% | $79,856-35.3% |
| Participation rate | 90.9% | 65.0%+25.9pp | 72.7%+18.2pp | 69.6%+21.3pp |
| Annual return | 12.99% | 71.96%-59.0pp | 1294.76%-1281.8pp | 31.71%-18.7pp |
| Employer contribution / active EE | $3,583 | $2,069+73.2% | $3,264+9.8% | $2,471+45.0% |
| Participant deferral / active EE | $6,153 | $2,939+109.4% | $3,964+55.2% | $3,741+64.5% |
| Admin fee / account holder | $13,517 | $3,978+239.8% | $5,617+140.7% | $5,306+154.7% |