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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 | $45,767 | $73,518-37.7% | $63,003-27.4% | $147,585-69.0% |
| Participation rate | 83.3% | 77.9%+5.5pp | 74.8%+8.5pp | 82.8%+0.5pp |
| Annual return | 56.32% | 175.46%-119.1pp | 87.59%-31.3pp | 578.57%-522.2pp |
| Employer contribution / active EE | $1,765 | $3,322-46.9% | $2,760-36.1% | $4,876-63.8% |
| Participant deferral / active EE | $4,233 | $4,183+1.2% | $3,329+27.1% | $5,439-22.2% |
| Admin fee / account holder | $494 | $5,952-91.7% | $3,600-86.3% | $10,885-95.5% |