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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 | $81,342 | $45,152+80.1% | $73,836+10.2% | $59,633+36.4% |
| Participation rate | 84.8% | 64.0%+20.8pp | 73.4%+11.4pp | 68.7%+16.2pp |
| Annual return | 0.83% | 27.40%-26.6pp | 2268.06%-2267.2pp | 2041.45%-2040.6pp |
| Employer contribution / active EE | $2,774 | $1,901+45.9% | $2,787-0.5% | $2,203+25.9% |
| Participant deferral / active EE | $3,936 | $2,573+53.0% | $3,583+9.8% | $3,192+23.3% |
| Admin fee / account holder | $5,015 | $3,515+42.7% | $4,882+2.7% | $4,297+16.7% |