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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 | $39,676 | $102,422-61.3% | $147,117-73.0% | $80,959-51.0% |
| Participation rate | 98.1% | 75.9%+22.2pp | 82.2%+15.9pp | 67.7%+30.4pp |
| Annual return | 13.92% | 135.16%-121.2pp | 420.54%-406.6pp | 35.67%-21.7pp |
| Employer contribution / active EE | $4,434 | $3,717+19.3% | $4,932-10.1% | $2,757+60.8% |
| Participant deferral / active EE | $5,989 | $6,652-10.0% | $8,065-25.7% | $4,300+39.3% |
| Admin fee / account holder | $1,076 | $7,953-86.5% | $12,993-91.7% | $6,925-84.5% |