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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 | $35,103 | $63,346-44.6% | $92,240-61.9% | $70,126-49.9% |
| Participation rate | 97.6% | 68.7%+28.9pp | 76.5%+21.1pp | 69.5%+28.0pp |
| Annual return | 14.49% | 530.19%-515.7pp | 176.29%-161.8pp | 73.15%-58.7pp |
| Employer contribution / active EE | $1,158 | $2,471-53.1% | $3,680-68.5% | $2,343-50.6% |
| Participant deferral / active EE | $2,237 | $2,854-21.6% | $3,897-42.6% | $3,332-32.8% |
| Admin fee / account holder | $396 | $3,841-89.7% | $5,194-92.4% | $4,645-91.5% |