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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 | $39,621 | $57,330-30.9% | $86,656-54.3% | $75,177-47.3% |
| Participation rate | 92.6% | 63.2%+29.4pp | 71.7%+20.9pp | 67.2%+25.4pp |
| Annual return | 24.09% | 2675.40%-2651.3pp | 593.09%-569.0pp | 160.75%-136.7pp |
| Employer contribution / active EE | $2,332 | $2,316+0.7% | $3,025-22.9% | $2,671-12.7% |
| Participant deferral / active EE | $5,624 | $3,320+69.4% | $4,439+26.7% | $4,126+36.3% |
| Admin fee / account holder | $607 | $4,115-85.3% | $5,619-89.2% | $5,651-89.3% |