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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 | $28,144 | $77,901-63.9% | $149,717-81.2% | $75,181-62.6% |
| Participation rate | 72.6% | 65.6%+7.0pp | 78.8%-6.2pp | 67.2%+5.4pp |
| Annual return | 88.60% | 31.73%+56.9pp | 134.41%-45.8pp | 160.69%-72.1pp |
| Employer contribution / active EE | $2,347 | $3,137-25.2% | $4,820-51.3% | $2,671-12.1% |
| Participant deferral / active EE | $4,425 | $3,411+29.7% | $5,682-22.1% | $4,126+7.3% |
| Admin fee / account holder | $1,202 | $5,949-79.8% | $13,213-90.9% | $5,650-78.7% |