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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 | $27,098 | $96,678-72.0% | $86,640-68.7% | $139,466-80.6% |
| Participation rate | 83.3% | 74.4%+8.9pp | 71.7%+11.6pp | 80.3%+3.0pp |
| Annual return | 14.62% | 106.69%-92.1pp | 592.52%-577.9pp | 373.66%-359.0pp |
| Employer contribution / active EE | $1,167 | $3,265-64.3% | $3,024-61.4% | $4,754-75.5% |
| Participant deferral / active EE | $3,513 | $4,837-27.4% | $4,438-20.9% | $6,712-47.7% |
| Admin fee / account holder | $1,862 | $6,410-70.9% | $5,616-66.8% | $11,409-83.7% |