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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 | $43,907 | $102,393-57.1% | $147,041-70.1% | $80,911-45.7% |
| Participation rate | 70.0% | 75.9%-5.9pp | 82.2%-12.2pp | 67.6%+2.4pp |
| Annual return | 16.50% | 134.95%-118.5pp | 419.21%-402.7pp | 35.63%-19.1pp |
| Employer contribution / active EE | $3,072 | $3,715-17.3% | $4,935-37.8% | $2,756+11.5% |
| Participant deferral / active EE | $4,581 | $6,647-31.1% | $8,071-43.2% | $4,297+6.6% |
| Admin fee / account holder | $937 | $7,943-88.2% | $13,006-92.8% | $6,935-86.5% |