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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 | $37,042 | $58,241-36.4% | $81,780-54.7% | $80,911-54.2% |
| Participation rate | 80.0% | 63.4%+16.6pp | 72.4%+7.6pp | 67.6%+12.4pp |
| Annual return | 13.05% | 41.73%-28.7pp | 776.27%-763.2pp | 35.63%-22.6pp |
| Employer contribution / active EE | $2,944 | $2,343+25.6% | $2,914+1.0% | $2,756+6.8% |
| Participant deferral / active EE | $0 | $3,283-100.0% | $4,321-100.0% | $4,297-100.0% |
| Admin fee / account holder | $2,416 | $4,973-51.4% | $7,384-67.3% | $6,935-65.2% |