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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 | $43,375 | $60,139-27.9% | $90,461-52.1% | $79,856-45.7% |
| Participation rate | 86.8% | 65.0%+21.8pp | 72.7%+14.1pp | 69.6%+17.2pp |
| Annual return | 20.76% | 71.96%-51.2pp | 1294.76%-1274.0pp | 31.71%-11.0pp |
| Employer contribution / active EE | $4,321 | $2,069+108.9% | $3,264+32.4% | $2,471+74.9% |
| Participant deferral / active EE | $4,519 | $2,939+53.8% | $3,964+14.0% | $3,741+20.8% |
| Admin fee / account holder | $3,011 | $3,978-24.3% | $5,617-46.4% | $5,306-43.3% |