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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 | $45,775 | $102,393-55.3% | $147,041-68.9% | $80,911-43.4% |
| Participation rate | 95.5% | 75.9%+19.7pp | 82.2%+13.4pp | 67.6%+27.9pp |
| Annual return | 17.45% | 134.95%-117.5pp | 419.21%-401.8pp | 35.63%-18.2pp |
| Employer contribution / active EE | $3,939 | $3,715+6.0% | $4,935-20.2% | $2,756+42.9% |
| Participant deferral / active EE | $6,711 | $6,647+1.0% | $8,071-16.9% | $4,297+56.2% |
| Admin fee / account holder | $2,270 | $7,943-71.4% | $13,006-82.5% | $6,935-67.3% |