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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 | $47,889 | $80,812-40.7% | $160,784-70.2% | $82,448-41.9% |
| Participation rate | 91.8% | 66.2%+25.6pp | 77.0%+14.9pp | 68.1%+23.8pp |
| Annual return | 20.24% | 100.59%-80.3pp | 1803.92%-1783.7pp | 41.64%-21.4pp |
| Employer contribution / active EE | $1,949 | $2,174-10.4% | $3,733-47.8% | $2,551-23.6% |
| Participant deferral / active EE | $5,468 | $4,335+26.1% | $6,293-13.1% | $4,139+32.1% |
| Admin fee / account holder | $1,204 | $7,695-84.4% | $9,717-87.6% | $7,234-83.4% |