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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 | $40,657 | $49,199-17.4% | $121,204-66.5% | $75,173-45.9% |
| Participation rate | 82.9% | 55.4%+27.4pp | 69.5%+13.3pp | 67.2%+15.7pp |
| Annual return | 17.13% | 56.04%-38.9pp | 987.18%-970.0pp | 160.72%-143.6pp |
| Employer contribution / active EE | $1,767 | $1,547+14.2% | $4,170-57.6% | $2,671-33.9% |
| Participant deferral / active EE | $5,186 | $2,630+97.2% | $4,083+27.0% | $4,126+25.7% |
| Admin fee / account holder | $696 | $3,946-82.4% | $5,651-87.7% | $5,651-87.7% |