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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 | $51,662 | $65,555-21.2% | $86,216-40.1% | $75,173-31.3% |
| Participation rate | 74.3% | 60.5%+13.8pp | 69.0%+5.3pp | 67.2%+7.1pp |
| Annual return | 17.20% | 46.07%-28.9pp | 1169.42%-1152.2pp | 160.72%-143.5pp |
| Employer contribution / active EE | $2,697 | $1,553+73.6% | $2,382+13.2% | $2,671+1.0% |
| Participant deferral / active EE | $6,646 | $3,023+119.8% | $3,986+66.7% | $4,126+61.1% |
| Admin fee / account holder | $5,924 | $5,469+8.3% | $6,853-13.6% | $5,651+4.8% |