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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 | $44,251 | $80,812-45.2% | $160,784-72.5% | $82,448-46.3% |
| Participation rate | 84.2% | 66.2%+18.0pp | 77.0%+7.3pp | 68.1%+16.1pp |
| Annual return | 17.30% | 100.59%-83.3pp | 1803.92%-1786.6pp | 41.64%-24.3pp |
| Employer contribution / active EE | $1,595 | $2,174-26.7% | $3,733-57.3% | $2,551-37.5% |
| Participant deferral / active EE | $3,020 | $4,335-30.3% | $6,293-52.0% | $4,139-27.0% |
| Admin fee / account holder | $3,190 | $7,695-58.5% | $9,717-67.2% | $7,234-55.9% |