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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 | $31,320 | $57,330-45.4% | $86,656-63.9% | $75,177-58.3% |
| Participation rate | 72.7% | 63.2%+9.5pp | 71.7%+1.0pp | 67.2%+5.5pp |
| Annual return | 18.58% | 2675.40%-2656.8pp | 593.09%-574.5pp | 160.75%-142.2pp |
| Employer contribution / active EE | $1,586 | $2,316-31.5% | $3,025-47.6% | $2,671-40.6% |
| Participant deferral / active EE | $4,602 | $3,320+38.6% | $4,439+3.7% | $4,126+11.5% |
| Admin fee / account holder | $1,485 | $4,115-63.9% | $5,619-73.6% | $5,651-73.7% |