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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 | $47,893 | $75,832-36.8% | $147,617-67.6% | $59,633-19.7% |
| Participation rate | 86.8% | 71.6%+15.3pp | 84.6%+2.2pp | 68.7%+18.2pp |
| Annual return | 0.31% | 0.37%-0.1pp | 61.98%-61.7pp | 2041.45%-2041.1pp |
| Employer contribution / active EE | $2,427 | $3,485-30.4% | $5,564-56.4% | $2,203+10.2% |
| Participant deferral / active EE | $5,639 | $3,131+80.1% | $4,895+15.2% | $3,192+76.7% |
| Admin fee / account holder | $1,521 | $5,986-74.6% | $11,612-86.9% | $4,297-64.6% |