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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 | $49,574 | $110,801-55.3% | $86,615-42.8% | $167,536-70.4% |
| Participation rate | 80.0% | 75.8%+4.2pp | 71.6%+8.4pp | 82.1%-2.1pp |
| Annual return | 8.90% | 116.96%-108.1pp | 63.51%-54.6pp | 478.82%-469.9pp |
| Employer contribution / active EE | $1,313 | $3,245-59.5% | $2,496-47.4% | $4,839-72.9% |
| Participant deferral / active EE | $7,888 | $4,547+73.5% | $3,699+113.2% | $6,342+24.4% |
| Admin fee / account holder | $1,820 | $8,417-78.4% | $5,830-68.8% | $12,315-85.2% |