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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 | $40,496 | $60,128-32.7% | $90,440-55.2% | $79,852-49.3% |
| Participation rate | 85.7% | 65.0%+20.7pp | 72.7%+13.0pp | 69.6%+16.1pp |
| Annual return | 25.64% | 71.95%-46.3pp | 1294.38%-1268.7pp | 31.72%-6.1pp |
| Employer contribution / active EE | $4,061 | $2,068+96.3% | $3,263+24.5% | $2,471+64.3% |
| Participant deferral / active EE | $4,975 | $2,939+69.3% | $3,964+25.5% | $3,740+33.0% |
| Admin fee / account holder | $3,507 | $3,977-11.8% | $5,615-37.5% | $5,306-33.9% |