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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 | $52,119 | $75,832-31.3% | $147,617-64.7% | $59,633-12.6% |
| Participation rate | 83.9% | 71.6%+12.3pp | 84.6%-0.8pp | 68.7%+15.2pp |
| Annual return | 3.62% | 0.37%+3.3pp | 61.98%-58.4pp | 2041.45%-2037.8pp |
| Employer contribution / active EE | $2,757 | $3,485-20.9% | $5,564-50.5% | $2,203+25.2% |
| Participant deferral / active EE | $3,970 | $3,131+26.8% | $4,895-18.9% | $3,192+24.4% |
| Admin fee / account holder | $602 | $5,986-89.9% | $11,612-94.8% | $4,297-86.0% |