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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 | $48,046 | $102,422-53.1% | $147,117-67.3% | $80,959-40.7% |
| Participation rate | 77.2% | 75.9%+1.3pp | 82.2%-5.0pp | 67.7%+9.5pp |
| Annual return | 14.44% | 135.16%-120.7pp | 420.54%-406.1pp | 35.67%-21.2pp |
| Employer contribution / active EE | $2,121 | $3,717-42.9% | $4,932-57.0% | $2,757-23.1% |
| Participant deferral / active EE | $4,474 | $6,652-32.7% | $8,065-44.5% | $4,300+4.0% |
| Admin fee / account holder | $2,078 | $7,953-73.9% | $12,993-84.0% | $6,925-70.0% |