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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 | $22,212 | $60,128-63.1% | $90,440-75.4% | $79,852-72.2% |
| Participation rate | 90.7% | 65.0%+25.7pp | 72.7%+18.0pp | 69.6%+21.1pp |
| Annual return | 15.85% | 71.95%-56.1pp | 1294.38%-1278.5pp | 31.72%-15.9pp |
| Employer contribution / active EE | $1,621 | $2,068-21.6% | $3,263-50.3% | $2,471-34.4% |
| Participant deferral / active EE | $2,198 | $2,939-25.2% | $3,964-44.6% | $3,740-41.2% |
| Admin fee / account holder | $688 | $3,977-82.7% | $5,615-87.8% | $5,306-87.0% |