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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 | $61,103 | $102,382-40.3% | $147,005-58.4% | $80,874-24.4% |
| Participation rate | 74.5% | 75.8%-1.4pp | 82.2%-7.7pp | 67.6%+6.8pp |
| Annual return | 12.55% | 134.89%-122.3pp | 418.76%-406.2pp | 35.62%-23.1pp |
| Employer contribution / active EE | $968 | $3,715-73.9% | $4,934-80.4% | $2,756-64.9% |
| Participant deferral / active EE | $5,243 | $6,646-21.1% | $8,070-35.0% | $4,297+22.0% |
| Admin fee / account holder | $3,161 | $7,942-60.2% | $13,006-75.7% | $6,935-54.4% |