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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 | $52,613 | $53,063-0.8% | $124,206-57.6% | $82,637-36.3% |
| Participation rate | 82.1% | 58.4%+23.7pp | 69.6%+12.6pp | 68.1%+14.1pp |
| Annual return | 19.61% | 68.87%-49.3pp | 515.27%-495.7pp | 53.51%-33.9pp |
| Employer contribution / active EE | $4,116 | $1,530+169.0% | $3,540+16.3% | $2,552+61.3% |
| Participant deferral / active EE | $6,322 | $2,644+139.1% | $3,968+59.4% | $4,126+53.2% |
| Admin fee / account holder | $2,803 | $4,281-34.5% | $5,929-52.7% | $7,339-61.8% |