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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 | $42,255 | $56,431-25.1% | $130,788-67.7% | $87,485-51.7% |
| Participation rate | 97.4% | 58.9%+38.5pp | 70.1%+27.3pp | 68.9%+28.5pp |
| Annual return | 17.75% | 91.27%-73.5pp | 386.44%-368.7pp | 26.06%-8.3pp |
| Employer contribution / active EE | $1,707 | $1,549+10.2% | $3,558-52.0% | $2,596-34.3% |
| Participant deferral / active EE | $4,548 | $2,749+65.4% | $4,137+9.9% | $4,274+6.4% |
| Admin fee / account holder | $1,028 | $4,433-76.8% | $6,673-84.6% | $7,775-86.8% |