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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 | $107,436 | $80,812+32.9% | $160,784-33.2% | $82,448+30.3% |
| Participation rate | 76.0% | 66.2%+9.8pp | 77.0%-1.0pp | 68.1%+7.9pp |
| Annual return | 15.43% | 100.59%-85.2pp | 1803.92%-1788.5pp | 41.64%-26.2pp |
| Employer contribution / active EE | $539 | $2,174-75.2% | $3,733-85.6% | $2,551-78.9% |
| Participant deferral / active EE | $4,181 | $4,335-3.6% | $6,293-33.6% | $4,139+1.0% |
| Admin fee / account holder | $1,897 | $7,695-75.3% | $9,717-80.5% | $7,234-73.8% |