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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 | $51,297 | $60,128-14.7% | $90,440-43.3% | $79,852-35.8% |
| Participation rate | 76.7% | 65.0%+11.7pp | 72.7%+4.0pp | 69.6%+7.0pp |
| Annual return | 13.68% | 71.95%-58.3pp | 1294.38%-1280.7pp | 31.72%-18.0pp |
| Employer contribution / active EE | $2,278 | $2,068+10.2% | $3,263-30.2% | $2,471-7.8% |
| Participant deferral / active EE | $4,907 | $2,939+67.0% | $3,964+23.8% | $3,740+31.2% |
| Admin fee / account holder | $5,270 | $3,977+32.5% | $5,615-6.1% | $5,306-0.7% |