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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 | $36,206 | $65,566-44.8% | $86,235-58.0% | $75,177-51.8% |
| Participation rate | 88.1% | 60.5%+27.6pp | 69.0%+19.1pp | 67.2%+20.9pp |
| Annual return | 14.74% | 46.07%-31.3pp | 1170.03%-1155.3pp | 160.75%-146.0pp |
| Employer contribution / active EE | $2,136 | $1,553+37.5% | $2,381-10.3% | $2,671-20.0% |
| Participant deferral / active EE | $3,380 | $3,023+11.8% | $3,987-15.2% | $4,126-18.1% |
| Admin fee / account holder | $1,164 | $5,470-78.7% | $6,856-83.0% | $5,651-79.4% |