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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 | $83,069 | $80,812+2.8% | $160,784-48.3% | $82,448+0.8% |
| Participation rate | 75.7% | 66.2%+9.4pp | 77.0%-1.3pp | 68.1%+7.6pp |
| Annual return | 18.01% | 100.59%-82.6pp | 1803.92%-1785.9pp | 41.64%-23.6pp |
| Employer contribution / active EE | $1,670 | $2,174-23.2% | $3,733-55.3% | $2,551-34.5% |
| Participant deferral / active EE | $5,382 | $4,335+24.1% | $6,293-14.5% | $4,139+30.0% |
| Admin fee / account holder | $2,216 | $7,695-71.2% | $9,717-77.2% | $7,234-69.4% |