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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 | $42,278 | $60,139-29.7% | $90,461-53.3% | $79,856-47.1% |
| Participation rate | 83.8% | 65.0%+18.8pp | 72.7%+11.1pp | 69.6%+14.2pp |
| Annual return | 14.55% | 71.96%-57.4pp | 1294.76%-1280.2pp | 31.71%-17.2pp |
| Employer contribution / active EE | $2,167 | $2,069+4.7% | $3,264-33.6% | $2,471-12.3% |
| Participant deferral / active EE | $2,168 | $2,939-26.2% | $3,964-45.3% | $3,741-42.0% |
| Admin fee / account holder | $4,678 | $3,978+17.6% | $5,617-16.7% | $5,306-11.8% |