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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 | $32,588 | $96,643-66.3% | $86,617-62.4% | $139,456-76.6% |
| Participation rate | 80.0% | 74.4%+5.6pp | 71.7%+8.3pp | 80.3%-0.3pp |
| Annual return | 12.84% | 106.57%-93.7pp | 591.91%-579.1pp | 373.45%-360.6pp |
| Employer contribution / active EE | $1,760 | $3,264-46.1% | $3,023-41.8% | $4,753-63.0% |
| Participant deferral / active EE | $2,047 | $4,835-57.7% | $4,437-53.9% | $6,711-69.5% |
| Admin fee / account holder | $3,078 | $6,406-52.0% | $5,613-45.2% | $11,407-73.0% |