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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 | $46,288 | $106,918-56.7% | $84,021-44.9% | $152,897-69.7% |
| Participation rate | 84.2% | 75.2%+9.0pp | 69.0%+15.2pp | 82.5%+1.8pp |
| Annual return | 18.76% | 105.01%-86.3pp | 71.32%-52.6pp | 345.43%-326.7pp |
| Employer contribution / active EE | $785 | $2,735-71.3% | $1,984-60.4% | $4,764-83.5% |
| Participant deferral / active EE | $2,878 | $4,012-28.3% | $3,239-11.1% | $5,851-50.8% |
| Admin fee / account holder | $621 | $8,288-92.5% | $6,102-89.8% | $11,599-94.6% |