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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 | $29,469 | $65,575-55.1% | $86,209-65.8% | $75,181-60.8% |
| Participation rate | 77.3% | 60.5%+16.8pp | 69.0%+8.3pp | 67.2%+10.1pp |
| Annual return | 16.41% | 46.07%-29.7pp | 1169.05%-1152.6pp | 160.69%-144.3pp |
| Employer contribution / active EE | $4,721 | $1,553+203.9% | $2,381+98.2% | $2,671+76.8% |
| Participant deferral / active EE | $2,016 | $3,023-33.3% | $3,986-49.4% | $4,126-51.1% |
| Admin fee / account holder | $829 | $5,470-84.9% | $6,853-87.9% | $5,650-85.3% |