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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 | $42,745 | $65,575-34.8% | $86,209-50.4% | $75,181-43.1% |
| Participation rate | 84.1% | 60.5%+23.6pp | 69.0%+15.1pp | 67.2%+16.9pp |
| Annual return | 16.21% | 46.07%-29.9pp | 1169.05%-1152.8pp | 160.69%-144.5pp |
| Employer contribution / active EE | $581 | $1,553-62.6% | $2,381-75.6% | $2,671-78.2% |
| Participant deferral / active EE | $4,310 | $3,023+42.6% | $3,986+8.1% | $4,126+4.5% |
| Admin fee / account holder | $2,999 | $5,470-45.2% | $6,853-56.2% | $5,650-46.9% |