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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 | $65,582 | $102,429-36.0% | $147,096-55.4% | $80,925-19.0% |
| Participation rate | 76.5% | 75.9%+0.6pp | 82.2%-5.7pp | 67.7%+8.8pp |
| Annual return | 17.59% | 135.02%-117.4pp | 419.75%-402.2pp | 35.65%-18.1pp |
| Employer contribution / active EE | $0 | $3,716-100.0% | $4,936-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $6,007 | $6,649-9.7% | $8,071-25.6% | $4,299+39.7% |
| Admin fee / account holder | $2,024 | $7,957-74.6% | $13,005-84.4% | $6,940-70.8% |