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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 | $68,729 | $52,519+30.9% | $155,789-55.9% | $59,633+15.3% |
| Participation rate | 93.8% | 61.7%+32.0pp | 76.1%+17.7pp | 68.7%+25.1pp |
| Annual return | 1.33% | 53.51%-52.2pp | 71.54%-70.2pp | 2041.45%-2040.1pp |
| Employer contribution / active EE | $3,213 | $1,589+102.2% | $3,839-16.3% | $2,203+45.9% |
| Participant deferral / active EE | $7,804 | $3,084+153.0% | $4,798+62.7% | $3,192+144.5% |
| Admin fee / account holder | $4,906 | $3,540+38.6% | $7,477-34.4% | $4,297+14.2% |