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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 | $36,127 | $52,353-31.0% | $120,225-70.0% | $82,448-56.2% |
| Participation rate | 77.5% | 58.3%+19.2pp | 69.6%+7.9pp | 68.1%+9.4pp |
| Annual return | 14.97% | 61.85%-46.9pp | 439.23%-424.3pp | 41.64%-26.7pp |
| Employer contribution / active EE | $1,073 | $1,510-29.0% | $3,475-69.1% | $2,551-57.9% |
| Participant deferral / active EE | $1,337 | $2,627-49.1% | $3,999-66.6% | $4,139-67.7% |
| Admin fee / account holder | $1,743 | $4,363-60.0% | $5,696-69.4% | $7,234-75.9% |