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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 | $41,028 | $90,691-54.8% | $76,119-46.1% | $145,884-71.9% |
| Participation rate | 93.3% | 74.5%+18.9pp | 69.1%+24.3pp | 80.3%+13.0pp |
| Annual return | 22.04% | 624.52%-602.5pp | 361.25%-339.2pp | 551.85%-529.8pp |
| Employer contribution / active EE | $1,447 | $3,329-56.5% | $2,693-46.2% | $4,662-69.0% |
| Participant deferral / active EE | $2,652 | $5,167-48.7% | $4,259-37.7% | $6,690-60.4% |
| Admin fee / account holder | $1,101 | $8,383-86.9% | $6,421-82.9% | $13,392-91.8% |