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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 | $50,754 | $49,199+3.2% | $121,204-58.1% | $75,173-32.5% |
| Participation rate | 80.4% | 55.4%+25.0pp | 69.5%+10.9pp | 67.2%+13.2pp |
| Annual return | 15.83% | 56.04%-40.2pp | 987.18%-971.4pp | 160.72%-144.9pp |
| Employer contribution / active EE | $1,112 | $1,547-28.1% | $4,170-73.3% | $2,671-58.4% |
| Participant deferral / active EE | $5,116 | $2,630+94.5% | $4,083+25.3% | $4,126+24.0% |
| Admin fee / account holder | $1,306 | $3,946-66.9% | $5,651-76.9% | $5,651-76.9% |