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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 | $39,099 | $65,555-40.4% | $86,216-54.6% | $75,173-48.0% |
| Participation rate | 94.6% | 60.5%+34.1pp | 69.0%+25.6pp | 67.2%+27.4pp |
| Annual return | 30.91% | 46.07%-15.2pp | 1169.42%-1138.5pp | 160.72%-129.8pp |
| Employer contribution / active EE | $2,477 | $1,553+59.5% | $2,382+4.0% | $2,671-7.3% |
| Participant deferral / active EE | $4,901 | $3,023+62.1% | $3,986+23.0% | $4,126+18.8% |
| Admin fee / account holder | $873 | $5,469-84.0% | $6,853-87.3% | $5,651-84.5% |