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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 | $61,744 | $106,008-41.8% | $92,240-33.1% | $147,586-58.2% |
| Participation rate | 90.9% | 80.4%+10.5pp | 76.5%+14.4pp | 82.8%+8.1pp |
| Annual return | 13.70% | 50.05%-36.4pp | 176.29%-162.6pp | 578.59%-564.9pp |
| Employer contribution / active EE | $1,255 | $4,333-71.0% | $3,680-65.9% | $4,876-74.3% |
| Participant deferral / active EE | $5,263 | $4,478+17.5% | $3,897+35.1% | $5,439-3.2% |
| Admin fee / account holder | $20,057 | $6,333+216.7% | $5,194+286.1% | $10,886+84.2% |