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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 | $21,563 | $65,566-67.1% | $86,235-75.0% | $75,177-71.3% |
| Participation rate | 91.7% | 60.5%+31.2pp | 69.0%+22.7pp | 67.2%+24.5pp |
| Annual return | 19.91% | 46.07%-26.2pp | 1170.03%-1150.1pp | 160.75%-140.8pp |
| Employer contribution / active EE | $2,779 | $1,553+78.9% | $2,381+16.7% | $2,671+4.0% |
| Participant deferral / active EE | $5,636 | $3,023+86.4% | $3,987+41.4% | $4,126+36.6% |
| Admin fee / account holder | $876 | $5,470-84.0% | $6,856-87.2% | $5,651-84.5% |