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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 | $57,821 | $80,812-28.4% | $160,784-64.0% | $82,448-29.9% |
| Participation rate | 85.0% | 66.2%+18.8pp | 77.0%+8.0pp | 68.1%+16.9pp |
| Annual return | 27.39% | 100.59%-73.2pp | 1803.92%-1776.5pp | 41.64%-14.2pp |
| Employer contribution / active EE | $5,460 | $2,174+151.2% | $3,733+46.3% | $2,551+114.0% |
| Participant deferral / active EE | $10,970 | $4,335+153.0% | $6,293+74.3% | $4,139+165.0% |
| Admin fee / account holder | $8,197 | $7,695+6.5% | $9,717-15.6% | $7,234+13.3% |