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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 | $46,728 | $102,422-54.4% | $147,117-68.2% | $80,959-42.3% |
| Participation rate | 95.5% | 75.9%+19.6pp | 82.2%+13.3pp | 67.7%+27.8pp |
| Annual return | 16.07% | 135.16%-119.1pp | 420.54%-404.5pp | 35.67%-19.6pp |
| Employer contribution / active EE | $3,031 | $3,717-18.5% | $4,932-38.6% | $2,757+9.9% |
| Participant deferral / active EE | $4,591 | $6,652-31.0% | $8,065-43.1% | $4,300+6.8% |
| Admin fee / account holder | $1,676 | $7,953-78.9% | $12,993-87.1% | $6,925-75.8% |