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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 | $42,956 | $89,364-51.9% | $141,177-69.6% | $72,983-41.1% |
| Participation rate | 77.9% | 75.1%+2.8pp | 82.5%-4.6pp | 69.5%+8.4pp |
| Annual return | 19.73% | 111.86%-92.1pp | 71.40%-51.7pp | 81.01%-61.3pp |
| Employer contribution / active EE | $0 | $3,115-100.0% | $4,736-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $3,629 | $5,419-33.0% | $6,710-45.9% | $3,608+0.6% |
| Admin fee / account holder | $989 | $5,959-83.4% | $10,263-90.4% | $5,124-80.7% |