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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 | $44,795 | $60,139-25.5% | $90,461-50.5% | $79,856-43.9% |
| Participation rate | 93.8% | 65.0%+28.8pp | 72.7%+21.1pp | 69.6%+24.1pp |
| Annual return | 21.54% | 71.96%-50.4pp | 1294.76%-1273.2pp | 31.71%-10.2pp |
| Employer contribution / active EE | $5,739 | $2,069+177.4% | $3,264+75.8% | $2,471+132.2% |
| Participant deferral / active EE | $6,399 | $2,939+117.7% | $3,964+61.4% | $3,741+71.1% |
| Admin fee / account holder | $3,487 | $3,978-12.3% | $5,617-37.9% | $5,306-34.3% |