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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 | $40,331 | $27,936+44.4% | $58,561-31.1% | $75,173-46.3% |
| Participation rate | 74.5% | 38.8%+35.6pp | 50.9%+23.6pp | 67.2%+7.3pp |
| Annual return | 16.12% | 44.21%-28.1pp | 4251.33%-4235.2pp | 160.72%-144.6pp |
| Employer contribution / active EE | $873 | $670+30.5% | $1,053-17.1% | $2,671-67.3% |
| Participant deferral / active EE | $2,046 | $1,202+70.2% | $1,923+6.4% | $4,126-50.4% |
| Admin fee / account holder | $3,320 | $1,727+92.2% | $2,520+31.7% | $5,651-41.3% |