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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 | $65,981 | $88,778-25.7% | $81,844-19.4% | $145,884-54.8% |
| Participation rate | 77.8% | 75.1%+2.7pp | 72.4%+5.4pp | 80.3%-2.5pp |
| Annual return | 11.20% | 1033.03%-1021.8pp | 778.87%-767.7pp | 551.85%-540.7pp |
| Employer contribution / active EE | $3,212 | $3,087+4.0% | $2,916+10.1% | $4,662-31.1% |
| Participant deferral / active EE | $4,131 | $4,648-11.1% | $4,323-4.5% | $6,690-38.3% |
| Admin fee / account holder | $405 | $8,430-95.2% | $7,355-94.5% | $13,392-97.0% |