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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 | $54,109 | $60,139-10.0% | $90,461-40.2% | $79,856-32.2% |
| Participation rate | 70.0% | 65.0%+5.0pp | 72.7%-2.7pp | 69.6%+0.4pp |
| Annual return | 15.92% | 71.96%-56.0pp | 1294.76%-1278.8pp | 31.71%-15.8pp |
| Employer contribution / active EE | $1,581 | $2,069-23.6% | $3,264-51.6% | $2,471-36.0% |
| Participant deferral / active EE | $1,313 | $2,939-55.3% | $3,964-66.9% | $3,741-64.9% |
| Admin fee / account holder | $2,797 | $3,978-29.7% | $5,617-50.2% | $5,306-47.3% |