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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 | $44,989 | $63,346-29.0% | $92,240-51.2% | $70,126-35.8% |
| Participation rate | 90.3% | 68.7%+21.7pp | 76.5%+13.8pp | 69.5%+20.8pp |
| Annual return | 19.12% | 530.19%-511.1pp | 176.29%-157.2pp | 73.15%-54.0pp |
| Employer contribution / active EE | $0 | $2,471-100.0% | $3,680-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $4,417 | $2,854+54.8% | $3,897+13.4% | $3,332+32.6% |
| Admin fee / account holder | $3,304 | $3,841-14.0% | $5,194-36.4% | $4,645-28.9% |