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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 | $35,129 | $63,346-44.5% | $92,240-61.9% | $70,126-49.9% |
| Participation rate | 89.1% | 68.7%+20.4pp | 76.5%+12.6pp | 69.5%+19.5pp |
| Annual return | 16.34% | 530.19%-513.9pp | 176.29%-160.0pp | 73.15%-56.8pp |
| Employer contribution / active EE | $722 | $2,471-70.8% | $3,680-80.4% | $2,343-69.2% |
| Participant deferral / active EE | $3,057 | $2,854+7.1% | $3,897-21.5% | $3,332-8.2% |
| Admin fee / account holder | $1,360 | $3,841-64.6% | $5,194-73.8% | $4,645-70.7% |