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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 | $42,880 | $60,139-28.7% | $90,461-52.6% | $79,856-46.3% |
| Participation rate | 82.1% | 65.0%+17.2pp | 72.7%+9.5pp | 69.6%+12.5pp |
| Annual return | 11.50% | 71.96%-60.5pp | 1294.76%-1283.3pp | 31.71%-20.2pp |
| Employer contribution / active EE | $7,549 | $2,069+264.9% | $3,264+131.3% | $2,471+205.5% |
| Participant deferral / active EE | $4,424 | $2,939+50.5% | $3,964+11.6% | $3,741+18.3% |
| Admin fee / account holder | $1,229 | $3,978-69.1% | $5,617-78.1% | $5,306-76.8% |