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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 | $48,911 | $65,440-25.3% | $98,506-50.3% | $85,851-43.0% |
| Participation rate | 92.5% | 65.0%+27.5pp | 73.3%+19.2pp | 69.3%+23.2pp |
| Annual return | 14.70% | 21.75%-7.0pp | 1494.92%-1480.2pp | 318.63%-303.9pp |
| Employer contribution / active EE | $296 | $2,169-86.3% | $2,961-90.0% | $2,565-88.5% |
| Participant deferral / active EE | $3,320 | $3,168+4.8% | $4,277-22.4% | $3,952-16.0% |
| Admin fee / account holder | $1,530 | $4,596-66.7% | $5,955-74.3% | $6,261-75.6% |