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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 | $43,423 | $60,119-27.8% | $90,430-52.0% | $79,858-45.6% |
| Participation rate | 96.8% | 65.0%+31.8pp | 72.7%+24.1pp | 69.6%+27.1pp |
| Annual return | 16.17% | 71.94%-55.8pp | 1293.73%-1277.6pp | 31.72%-15.6pp |
| Employer contribution / active EE | $770 | $2,068-62.7% | $3,262-76.4% | $2,471-68.8% |
| Participant deferral / active EE | $4,375 | $2,938+48.9% | $3,963+10.4% | $3,740+17.0% |
| Admin fee / account holder | $2,334 | $3,976-41.3% | $5,613-58.4% | $5,306-56.0% |