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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 | $51,048 | $65,555-22.1% | $86,216-40.8% | $75,173-32.1% |
| Participation rate | 93.9% | 60.5%+33.5pp | 69.0%+25.0pp | 67.2%+26.7pp |
| Annual return | 14.03% | 46.07%-32.0pp | 1169.42%-1155.4pp | 160.72%-146.7pp |
| Employer contribution / active EE | $1,330 | $1,553-14.4% | $2,382-44.2% | $2,671-50.2% |
| Participant deferral / active EE | $1,817 | $3,023-39.9% | $3,986-54.4% | $4,126-56.0% |
| Admin fee / account holder | $1,368 | $5,469-75.0% | $6,853-80.0% | $5,651-75.8% |