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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 | $42,281 | $102,635-58.8% | $86,209-51.0% | $139,456-69.7% |
| Participation rate | 81.8% | 74.5%+7.3pp | 69.0%+12.9pp | 80.3%+1.5pp |
| Annual return | 19.59% | 1923.53%-1903.9pp | 1169.05%-1149.5pp | 373.45%-353.9pp |
| Employer contribution / active EE | $970 | $3,034-68.0% | $2,381-59.3% | $4,753-79.6% |
| Participant deferral / active EE | $5,488 | $4,677+17.3% | $3,986+37.7% | $6,711-18.2% |
| Admin fee / account holder | $504 | $8,661-94.2% | $6,853-92.6% | $11,407-95.6% |