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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 | $67,730 | $80,812-16.2% | $160,784-57.9% | $82,448-17.9% |
| Participation rate | 86.4% | 66.2%+20.1pp | 77.0%+9.4pp | 68.1%+18.3pp |
| Annual return | 13.89% | 100.59%-86.7pp | 1803.92%-1790.0pp | 41.64%-27.7pp |
| Employer contribution / active EE | $1,986 | $2,174-8.6% | $3,733-46.8% | $2,551-22.2% |
| Participant deferral / active EE | $4,607 | $4,335+6.3% | $6,293-26.8% | $4,139+11.3% |
| Admin fee / account holder | $1,945 | $7,695-74.7% | $9,717-80.0% | $7,234-73.1% |