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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 | $45,960 | $96,643-52.4% | $86,617-46.9% | $139,456-67.0% |
| Participation rate | 77.3% | 74.4%+2.9pp | 71.7%+5.6pp | 80.3%-3.1pp |
| Annual return | 12.61% | 106.57%-94.0pp | 591.91%-579.3pp | 373.45%-360.8pp |
| Employer contribution / active EE | $2,427 | $3,264-25.7% | $3,023-19.7% | $4,753-48.9% |
| Participant deferral / active EE | $5,523 | $4,835+14.2% | $4,437+24.5% | $6,711-17.7% |
| Admin fee / account holder | $1,348 | $6,406-78.9% | $5,613-76.0% | $11,407-88.2% |