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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 | $51,010 | $60,139-15.2% | $90,461-43.6% | $79,856-36.1% |
| Participation rate | 90.0% | 65.0%+25.0pp | 72.7%+17.3pp | 69.6%+20.4pp |
| Annual return | 22.01% | 71.96%-50.0pp | 1294.76%-1272.8pp | 31.71%-9.7pp |
| Employer contribution / active EE | $3,994 | $2,069+93.1% | $3,264+22.4% | $2,471+61.6% |
| Participant deferral / active EE | $8,035 | $2,939+173.4% | $3,964+102.7% | $3,741+114.8% |
| Admin fee / account holder | $908 | $3,978-77.2% | $5,617-83.8% | $5,306-82.9% |