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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 | $25,417 | $112,121-77.3% | $95,960-73.5% | $158,966-84.0% |
| Participation rate | 95.5% | 79.0%+16.5pp | 77.1%+18.4pp | 82.0%+13.5pp |
| Annual return | 35.30% | 171.16%-135.9pp | 91.63%-56.3pp | 302.95%-267.6pp |
| Employer contribution / active EE | $0 | $3,199-100.0% | $2,541-100.0% | $4,762-100.0% |
| Participant deferral / active EE | $6,314 | $4,784+32.0% | $4,167+51.5% | $5,983+5.5% |
| Admin fee / account holder | $842 | $10,135-91.7% | $6,797-87.6% | $11,250-92.5% |