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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 | $24,254 | $125,184-80.6% | $105,607-77.0% | $145,884-83.4% |
| Participation rate | 95.7% | 77.6%+18.0pp | 75.3%+20.4pp | 80.3%+15.3pp |
| Annual return | 16.83% | 225.00%-208.2pp | 116.11%-99.3pp | 551.85%-535.0pp |
| Employer contribution / active EE | $0 | $3,720-100.0% | $3,167-100.0% | $4,662-100.0% |
| Participant deferral / active EE | $12,255 | $5,714+114.5% | $5,011+144.5% | $6,690+83.2% |
| Admin fee / account holder | $6,180 | $17,133-63.9% | $10,958-43.6% | $13,392-53.8% |