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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 | $38,137 | $85,766-55.5% | $136,298-72.0% | $70,126-45.6% |
| Participation rate | 75.5% | 74.2%+1.4pp | 81.9%-6.4pp | 69.5%+6.0pp |
| Annual return | 56.46% | 31.46%+25.0pp | 5156.27%-5099.8pp | 73.15%-16.7pp |
| Employer contribution / active EE | $2,474 | $2,966-16.6% | $4,696-47.3% | $2,343+5.6% |
| Participant deferral / active EE | $4,451 | $5,051-11.9% | $6,247-28.8% | $3,332+33.6% |
| Admin fee / account holder | $613 | $5,421-88.7% | $9,244-93.4% | $4,645-86.8% |