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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 | $41,131 | $102,393-59.8% | $147,041-72.0% | $80,911-49.2% |
| Participation rate | 76.7% | 75.9%+0.9pp | 82.2%-5.4pp | 67.6%+9.1pp |
| Annual return | 28.24% | 134.95%-106.7pp | 419.21%-391.0pp | 35.63%-7.4pp |
| Employer contribution / active EE | $2,968 | $3,715-20.1% | $4,935-39.9% | $2,756+7.7% |
| Participant deferral / active EE | $5,871 | $6,647-11.7% | $8,071-27.3% | $4,297+36.6% |
| Admin fee / account holder | $11,637 | $7,943+46.5% | $13,006-10.5% | $6,935+67.8% |