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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 | $22,378 | $70,418-68.2% | $96,570-76.8% | $85,847-73.9% |
| Participation rate | 76.7% | 61.8%+14.9pp | 69.8%+6.8pp | 69.3%+7.3pp |
| Annual return | 58.61% | 18.59%+40.0pp | 37.79%+20.8pp | 318.61%-260.0pp |
| Employer contribution / active EE | $3,728 | $1,413+163.8% | $2,357+58.2% | $2,565+45.3% |
| Participant deferral / active EE | $7,634 | $2,894+163.8% | $3,849+98.3% | $3,952+93.2% |
| Admin fee / account holder | $2,538 | $4,995-49.2% | $6,182-58.9% | $6,261-59.5% |