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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 | $27,581 | $176,120-84.3% | $159,487-82.7% | $167,553-83.5% |
| Participation rate | 71.4% | 85.0%-13.5pp | 82.8%-11.4pp | 82.1%-10.7pp |
| Annual return | 20.96% | 331.95%-311.0pp | 263.71%-242.7pp | 478.89%-457.9pp |
| Employer contribution / active EE | $2,118 | $5,299-60.0% | $4,831-56.2% | $4,840-56.2% |
| Participant deferral / active EE | $4,394 | $7,752-43.3% | $7,354-40.2% | $6,343-30.7% |
| Admin fee / account holder | $1,747 | $12,561-86.1% | $10,804-83.8% | $12,316-85.8% |