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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 | $49,580 | $101,499-51.2% | $147,005-66.3% | $74,546-33.5% |
| Participation rate | 77.8% | 75.5%+2.2pp | 82.2%-4.4pp | 67.2%+10.6pp |
| Annual return | 12.96% | 8732.34%-8719.4pp | 418.76%-405.8pp | 1366.03%-1353.1pp |
| Employer contribution / active EE | $2,612 | $3,811-31.5% | $4,934-47.1% | $2,624-0.5% |
| Participant deferral / active EE | $4,856 | $7,304-33.5% | $8,070-39.8% | $4,347+11.7% |
| Admin fee / account holder | $2,083 | $1,748+19.2% | $13,006-84.0% | $1,944+7.2% |