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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 | $49,241 | $160,040-69.2% | $147,096-66.5% | $145,877-66.2% |
| Participation rate | 75.0% | 84.0%-9.0pp | 82.2%-7.2pp | 80.3%-5.3pp |
| Annual return | 13.24% | 98.49%-85.3pp | 419.75%-406.5pp | 551.28%-538.0pp |
| Employer contribution / active EE | $2,303 | $5,289-56.5% | $4,936-53.3% | $4,663-50.6% |
| Participant deferral / active EE | $4,756 | $8,429-43.6% | $8,071-41.1% | $6,691-28.9% |
| Admin fee / account holder | $28,223 | $15,050+87.5% | $13,005+117.0% | $13,402+110.6% |