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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 | $44,110 | $60,128-26.6% | $90,440-51.2% | $79,852-44.8% |
| Participation rate | 98.8% | 65.0%+33.8pp | 72.7%+26.1pp | 69.6%+29.1pp |
| Annual return | 22.32% | 71.95%-49.6pp | 1294.38%-1272.1pp | 31.72%-9.4pp |
| Employer contribution / active EE | $4,020 | $2,068+94.4% | $3,263+23.2% | $2,471+62.7% |
| Participant deferral / active EE | $4,413 | $2,939+50.2% | $3,964+11.3% | $3,740+18.0% |
| Admin fee / account holder | $3,375 | $3,977-15.2% | $5,615-39.9% | $5,306-36.4% |