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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 | $59,859 | $102,385-41.5% | $147,080-59.3% | $80,935-26.0% |
| Participation rate | 88.5% | 75.9%+12.6pp | 82.2%+6.3pp | 67.7%+20.8pp |
| Annual return | 19.12% | 135.09%-116.0pp | 420.17%-401.1pp | 35.66%-16.5pp |
| Employer contribution / active EE | $1,795 | $3,717-51.7% | $4,933-63.6% | $2,757-34.9% |
| Participant deferral / active EE | $5,275 | $6,651-20.7% | $8,066-34.6% | $4,299+22.7% |
| Admin fee / account holder | $21,623 | $7,951+171.9% | $12,989+66.5% | $6,924+212.3% |