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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 | $25,900 | $28,624-9.5% | $53,647-51.7% | $82,637-68.7% |
| Participation rate | 71.4% | 47.3%+24.2pp | 56.3%+15.1pp | 68.1%+3.4pp |
| Annual return | 18.89% | 664.98%-646.1pp | 358.33%-339.4pp | 53.51%-34.6pp |
| Employer contribution / active EE | $4,277 | $637+571.8% | $962+344.6% | $2,552+67.6% |
| Participant deferral / active EE | $2,635 | $1,196+120.3% | $1,813+45.3% | $4,126-36.1% |
| Admin fee / account holder | $2,982 | $2,022+47.5% | $2,460+21.2% | $7,339-59.4% |