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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 | $58,842 | $65,555-10.2% | $86,216-31.8% | $75,173-21.7% |
| Participation rate | 80.6% | 60.5%+20.1pp | 69.0%+11.6pp | 67.2%+13.4pp |
| Annual return | 13.03% | 46.07%-33.0pp | 1169.42%-1156.4pp | 160.72%-147.7pp |
| Employer contribution / active EE | $1,255 | $1,553-19.2% | $2,382-47.3% | $2,671-53.0% |
| Participant deferral / active EE | $3,232 | $3,023+6.9% | $3,986-18.9% | $4,126-21.7% |
| Admin fee / account holder | $7,411 | $5,469+35.5% | $6,853+8.1% | $5,651+31.2% |