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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 | $28,700 | $63,346-54.7% | $92,240-68.9% | $70,126-59.1% |
| Participation rate | 96.2% | 68.7%+27.5pp | 76.5%+19.7pp | 69.5%+26.6pp |
| Annual return | 14.54% | 530.19%-515.6pp | 176.29%-161.8pp | 73.15%-58.6pp |
| Employer contribution / active EE | $2,310 | $2,471-6.5% | $3,680-37.2% | $2,343-1.4% |
| Participant deferral / active EE | $2,053 | $2,854-28.0% | $3,897-47.3% | $3,332-38.4% |
| Admin fee / account holder | $1,982 | $3,841-48.4% | $5,194-61.8% | $4,645-57.3% |