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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 | $55,023 | $60,139-8.5% | $90,461-39.2% | $79,856-31.1% |
| Participation rate | 96.6% | 65.0%+31.6pp | 72.7%+23.9pp | 69.6%+26.9pp |
| Annual return | 14.52% | 71.96%-57.4pp | 1294.76%-1280.2pp | 31.71%-17.2pp |
| Employer contribution / active EE | $3,358 | $2,069+62.3% | $3,264+2.9% | $2,471+35.9% |
| Participant deferral / active EE | $3,140 | $2,939+6.8% | $3,964-20.8% | $3,741-16.1% |
| Admin fee / account holder | $3,203 | $3,978-19.5% | $5,617-43.0% | $5,306-39.6% |