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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 | $57,294 | $60,128-4.7% | $90,440-36.6% | $79,852-28.2% |
| Participation rate | 96.7% | 65.0%+31.7pp | 72.7%+24.0pp | 69.6%+27.0pp |
| Annual return | 13.30% | 71.95%-58.6pp | 1294.38%-1281.1pp | 31.72%-18.4pp |
| Employer contribution / active EE | $2,882 | $2,068+39.3% | $3,263-11.7% | $2,471+16.6% |
| Participant deferral / active EE | $4,288 | $2,939+45.9% | $3,964+8.2% | $3,740+14.6% |
| Admin fee / account holder | $1,045 | $3,977-73.7% | $5,615-81.4% | $5,306-80.3% |