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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 | $50,513 | $80,812-37.5% | $160,784-68.6% | $82,448-38.7% |
| Participation rate | 78.6% | 66.2%+12.3pp | 77.0%+1.6pp | 68.1%+10.5pp |
| Annual return | 20.98% | 100.59%-79.6pp | 1803.92%-1782.9pp | 41.64%-20.7pp |
| Employer contribution / active EE | $1,916 | $2,174-11.9% | $3,733-48.7% | $2,551-24.9% |
| Participant deferral / active EE | $6,522 | $4,335+50.4% | $6,293+3.6% | $4,139+57.6% |
| Admin fee / account holder | $496 | $7,695-93.6% | $9,717-94.9% | $7,234-93.2% |