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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 | $40,589 | $56,431-28.1% | $130,788-69.0% | $87,485-53.6% |
| Participation rate | 71.8% | 58.9%+12.8pp | 70.1%+1.7pp | 68.9%+2.9pp |
| Annual return | 19.86% | 91.27%-71.4pp | 386.44%-366.6pp | 26.06%-6.2pp |
| Employer contribution / active EE | $1,245 | $1,549-19.7% | $3,558-65.0% | $2,596-52.1% |
| Participant deferral / active EE | $4,066 | $2,749+47.9% | $4,137-1.7% | $4,274-4.9% |
| Admin fee / account holder | $537 | $4,433-87.9% | $6,673-92.0% | $7,775-93.1% |