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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 | $53,032 | $65,566-19.1% | $86,235-38.5% | $75,177-29.5% |
| Participation rate | 86.2% | 60.5%+25.7pp | 69.0%+17.3pp | 67.2%+19.0pp |
| Annual return | 85.25% | 46.07%+39.2pp | 1170.03%-1084.8pp | 160.75%-75.5pp |
| Employer contribution / active EE | $2,705 | $1,553+74.2% | $2,381+13.6% | $2,671+1.3% |
| Participant deferral / active EE | $6,913 | $3,023+128.7% | $3,987+73.4% | $4,126+67.5% |
| Admin fee / account holder | $4,029 | $5,470-26.3% | $6,856-41.2% | $5,651-28.7% |