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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 | $24,657 | $60,128-59.0% | $90,440-72.7% | $79,852-69.1% |
| Participation rate | 76.0% | 65.0%+11.0pp | 72.7%+3.3pp | 69.6%+6.4pp |
| Annual return | 23.50% | 71.95%-48.4pp | 1294.38%-1270.9pp | 31.72%-8.2pp |
| Employer contribution / active EE | $1,904 | $2,068-7.9% | $3,263-41.6% | $2,471-22.9% |
| Participant deferral / active EE | $4,278 | $2,939+45.6% | $3,964+7.9% | $3,740+14.4% |
| Admin fee / account holder | $451 | $3,977-88.7% | $5,615-92.0% | $5,306-91.5% |