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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 | $47,642 | $56,134-15.1% | $96,192-50.5% | $85,851-44.5% |
| Participation rate | 76.7% | 56.7%+20.0pp | 68.4%+8.2pp | 69.3%+7.3pp |
| Annual return | 15.64% | 42.30%-26.7pp | 192.09%-176.4pp | 318.63%-303.0pp |
| Employer contribution / active EE | $2,082 | $1,620+28.5% | $2,799-25.6% | $2,565-18.9% |
| Participant deferral / active EE | $5,680 | $2,858+98.8% | $4,351+30.6% | $3,952+43.7% |
| Admin fee / account holder | $1,302 | $3,769-65.5% | $5,539-76.5% | $6,261-79.2% |