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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 | $34,626 | $65,555-47.2% | $86,216-59.8% | $75,173-53.9% |
| Participation rate | 84.6% | 60.5%+24.1pp | 69.0%+15.7pp | 67.2%+17.4pp |
| Annual return | 16.42% | 46.07%-29.7pp | 1169.42%-1153.0pp | 160.72%-144.3pp |
| Employer contribution / active EE | $4,669 | $1,553+200.6% | $2,382+96.1% | $2,671+74.8% |
| Participant deferral / active EE | $2,634 | $3,023-12.9% | $3,986-33.9% | $4,126-36.2% |
| Admin fee / account holder | $516 | $5,469-90.6% | $6,853-92.5% | $5,651-90.9% |