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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 | $17,896 | $65,555-72.7% | $86,216-79.2% | $75,173-76.2% |
| Participation rate | 95.2% | 60.5%+34.8pp | 69.0%+26.3pp | 67.2%+28.0pp |
| Annual return | 38.24% | 46.07%-7.8pp | 1169.42%-1131.2pp | 160.72%-122.5pp |
| Employer contribution / active EE | $2,093 | $1,553+34.7% | $2,382-12.1% | $2,671-21.6% |
| Participant deferral / active EE | $5,256 | $3,023+73.9% | $3,986+31.9% | $4,126+27.4% |
| Admin fee / account holder | $832 | $5,469-84.8% | $6,853-87.9% | $5,651-85.3% |