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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 | $60,737 | $80,812-24.8% | $160,784-62.2% | $82,448-26.3% |
| Participation rate | 100.0% | 66.2%+33.8pp | 77.0%+23.0pp | 68.1%+31.9pp |
| Annual return | 37.31% | 100.59%-63.3pp | 1803.92%-1766.6pp | 41.64%-4.3pp |
| Employer contribution / active EE | $2,932 | $2,174+34.9% | $3,733-21.5% | $2,551+14.9% |
| Participant deferral / active EE | $5,743 | $4,335+32.5% | $6,293-8.7% | $4,139+38.7% |
| Admin fee / account holder | $561 | $7,695-92.7% | $9,717-94.2% | $7,234-92.2% |