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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 | $19,804 | $54,674-63.8% | $76,089-74.0% | $74,429-73.4% |
| Participation rate | 99.3% | 60.3%+39.0pp | 69.1%+30.2pp | 67.2%+32.1pp |
| Annual return | 26.47% | 31.89%-5.4pp | 360.94%-334.5pp | 1368.38%-1341.9pp |
| Employer contribution / active EE | $2,628 | $1,781+47.6% | $2,690-2.3% | $2,625+0.1% |
| Participant deferral / active EE | $4,098 | $3,071+33.5% | $4,259-3.8% | $4,348-5.7% |
| Admin fee / account holder | $1,593 | $2,238-28.8% | $6,418-75.2% | $1,944-18.1% |