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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 | $63,348 | $80,812-21.6% | $160,784-60.6% | $82,448-23.2% |
| Participation rate | 97.0% | 66.2%+30.7pp | 77.0%+20.0pp | 68.1%+28.9pp |
| Annual return | 17.08% | 100.59%-83.5pp | 1803.92%-1786.8pp | 41.64%-24.6pp |
| Employer contribution / active EE | $3,637 | $2,174+67.3% | $3,733-2.6% | $2,551+42.6% |
| Participant deferral / active EE | $8,064 | $4,335+86.0% | $6,293+28.1% | $4,139+94.8% |
| Admin fee / account holder | $4,762 | $7,695-38.1% | $9,717-51.0% | $7,234-34.2% |