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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 | $102,393-56.2% | $147,041-69.5% | $80,911-44.5% |
| Participation rate | 96.7% | 75.9%+20.8pp | 82.2%+14.5pp | 67.6%+29.0pp |
| Annual return | 14.70% | 134.95%-120.3pp | 419.21%-404.5pp | 35.63%-20.9pp |
| Employer contribution / active EE | $2,730 | $3,715-26.5% | $4,935-44.7% | $2,756-1.0% |
| Participant deferral / active EE | $5,676 | $6,647-14.6% | $8,071-29.7% | $4,297+32.1% |
| Admin fee / account holder | $2,476 | $7,943-68.8% | $13,006-81.0% | $6,935-64.3% |