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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 | $27,704 | $65,555-57.7% | $86,216-67.9% | $75,173-63.1% |
| Participation rate | 97.1% | 60.5%+36.6pp | 69.0%+28.1pp | 67.2%+29.9pp |
| Annual return | 17.42% | 46.07%-28.7pp | 1169.42%-1152.0pp | 160.72%-143.3pp |
| Employer contribution / active EE | $2,443 | $1,553+57.3% | $2,382+2.6% | $2,671-8.5% |
| Participant deferral / active EE | $2,201 | $3,023-27.2% | $3,986-44.8% | $4,126-46.7% |
| Admin fee / account holder | $864 | $5,469-84.2% | $6,853-87.4% | $5,651-84.7% |