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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 | $90,644 | $65,566+38.2% | $86,235+5.1% | $75,177+20.6% |
| Participation rate | 80.0% | 60.5%+19.5pp | 69.0%+11.0pp | 67.2%+12.8pp |
| Annual return | 14.44% | 46.07%-31.6pp | 1170.03%-1155.6pp | 160.75%-146.3pp |
| Employer contribution / active EE | $1,573 | $1,553+1.3% | $2,381-33.9% | $2,671-41.1% |
| Participant deferral / active EE | $5,182 | $3,023+71.4% | $3,987+30.0% | $4,126+25.6% |
| Admin fee / account holder | $1,626 | $5,470-70.3% | $6,856-76.3% | $5,651-71.2% |