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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 | $74,365 | $102,393-27.4% | $147,041-49.4% | $80,911-8.1% |
| Participation rate | 77.3% | 75.9%+1.4pp | 82.2%-4.9pp | 67.6%+9.6pp |
| Annual return | 17.44% | 134.95%-117.5pp | 419.21%-401.8pp | 35.63%-18.2pp |
| Employer contribution / active EE | $1,525 | $3,715-58.9% | $4,935-69.1% | $2,756-44.6% |
| Participant deferral / active EE | $3,286 | $6,647-50.6% | $8,071-59.3% | $4,297-23.5% |
| Admin fee / account holder | $397 | $7,943-95.0% | $13,006-97.0% | $6,935-94.3% |