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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 | $76,396 | $102,382-25.4% | $147,005-48.0% | $80,874-5.5% |
| Participation rate | 74.4% | 75.8%-1.4pp | 82.2%-7.7pp | 67.6%+6.8pp |
| Annual return | 13.50% | 134.89%-121.4pp | 418.76%-405.3pp | 35.62%-22.1pp |
| Employer contribution / active EE | $1,167 | $3,715-68.6% | $4,934-76.4% | $2,756-57.7% |
| Participant deferral / active EE | $6,317 | $6,646-5.0% | $8,070-21.7% | $4,297+47.0% |
| Admin fee / account holder | $2,159 | $7,942-72.8% | $13,006-83.4% | $6,935-68.9% |