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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 | $54,251 | $39,798+36.3% | $67,711-19.9% | $59,632-9.0% |
| Participation rate | 82.5% | 57.4%+25.1pp | 67.5%+14.9pp | 68.7%+13.8pp |
| Annual return | 1.68% | 89.94%-88.3pp | 25.41%-23.7pp | 2041.32%-2039.6pp |
| Employer contribution / active EE | $2,521 | $1,393+81.0% | $2,559-1.5% | $2,203+14.5% |
| Participant deferral / active EE | $3,266 | $2,335+39.9% | $3,585-8.9% | $3,192+2.3% |
| Admin fee / account holder | $2,478 | $3,212-22.9% | $4,255-41.8% | $4,297-42.3% |