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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 | $44,870 | $102,385-56.2% | $147,080-69.5% | $80,935-44.6% |
| Participation rate | 96.7% | 75.9%+20.8pp | 82.2%+14.5pp | 67.7%+29.0pp |
| Annual return | 14.70% | 135.09%-120.4pp | 420.17%-405.5pp | 35.66%-21.0pp |
| Employer contribution / active EE | $2,730 | $3,717-26.6% | $4,933-44.7% | $2,757-1.0% |
| Participant deferral / active EE | $5,676 | $6,651-14.7% | $8,066-29.6% | $4,299+32.0% |
| Admin fee / account holder | $2,476 | $7,951-68.9% | $12,989-80.9% | $6,924-64.2% |