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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 | $54,881 | $57,330-4.3% | $86,656-36.7% | $75,177-27.0% |
| Participation rate | 93.9% | 63.2%+30.7pp | 71.7%+22.2pp | 67.2%+26.7pp |
| Annual return | 16.65% | 2675.40%-2658.8pp | 593.09%-576.4pp | 160.75%-144.1pp |
| Employer contribution / active EE | $2,351 | $2,316+1.5% | $3,025-22.3% | $2,671-12.0% |
| Participant deferral / active EE | $5,369 | $3,320+61.7% | $4,439+20.9% | $4,126+30.1% |
| Admin fee / account holder | $508 | $4,115-87.7% | $5,619-91.0% | $5,651-91.0% |