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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 | $37,179 | $39,798-6.6% | $67,704-45.1% | $59,633-37.7% |
| Participation rate | 84.4% | 57.4%+27.0pp | 67.5%+16.9pp | 68.7%+15.7pp |
| Annual return | 193.44% | 89.94%+103.5pp | 25.41%+168.0pp | 2041.40%-1848.0pp |
| Employer contribution / active EE | $1,563 | $1,393+12.2% | $2,559-38.9% | $2,203-29.0% |
| Participant deferral / active EE | $3,026 | $2,335+29.6% | $3,585-15.6% | $3,192-5.2% |
| Admin fee / account holder | $1,610 | $3,212-49.9% | $4,255-62.2% | $4,297-62.5% |