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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 | $56,084 | $81,208-30.9% | $98,920-43.3% | $79,852-29.8% |
| Participation rate | 88.4% | 72.5%+15.9pp | 76.0%+12.4pp | 69.6%+18.8pp |
| Annual return | 116.85% | 60.99%+55.9pp | 196.47%-79.6pp | 31.72%+85.1pp |
| Employer contribution / active EE | $1,611 | $1,960-17.8% | $2,689-40.1% | $2,471-34.8% |
| Participant deferral / active EE | $2,836 | $3,265-13.1% | $4,245-33.2% | $3,740-24.2% |
| Admin fee / account holder | $2,678 | $6,013-55.5% | $6,643-59.7% | $5,306-49.5% |