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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 | $26,044 | $102,393-74.6% | $147,041-82.3% | $80,911-67.8% |
| Participation rate | 80.0% | 75.9%+4.1pp | 82.2%-2.2pp | 67.6%+12.4pp |
| Annual return | 16.53% | 134.95%-118.4pp | 419.21%-402.7pp | 35.63%-19.1pp |
| Employer contribution / active EE | $2,963 | $3,715-20.3% | $4,935-40.0% | $2,756+7.5% |
| Participant deferral / active EE | $4,923 | $6,647-25.9% | $8,071-39.0% | $4,297+14.6% |
| Admin fee / account holder | $3,931 | $7,943-50.5% | $13,006-69.8% | $6,935-43.3% |