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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 | $39,879 | $80,812-50.7% | $160,784-75.2% | $82,448-51.6% |
| Participation rate | 82.7% | 66.2%+16.5pp | 77.0%+5.8pp | 68.1%+14.6pp |
| Annual return | 15.09% | 100.59%-85.5pp | 1803.92%-1788.8pp | 41.64%-26.6pp |
| Employer contribution / active EE | $587 | $2,174-73.0% | $3,733-84.3% | $2,551-77.0% |
| Participant deferral / active EE | $3,587 | $4,335-17.3% | $6,293-43.0% | $4,139-13.4% |
| Admin fee / account holder | $1,946 | $7,695-74.7% | $9,717-80.0% | $7,234-73.1% |