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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 | $54,666 | $102,382-46.6% | $147,005-62.8% | $80,874-32.4% |
| Participation rate | 77.8% | 75.8%+1.9pp | 82.2%-4.4pp | 67.6%+10.1pp |
| Annual return | 12.93% | 134.89%-122.0pp | 418.76%-405.8pp | 35.62%-22.7pp |
| Employer contribution / active EE | $2,631 | $3,715-29.2% | $4,934-46.7% | $2,756-4.5% |
| Participant deferral / active EE | $5,812 | $6,646-12.6% | $8,070-28.0% | $4,297+35.3% |
| Admin fee / account holder | $618 | $7,942-92.2% | $13,006-95.2% | $6,935-91.1% |