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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 | $149,926 | $49,897+200.5% | $80,648+85.9% | $75,177+99.4% |
| Participation rate | 80.8% | 55.3%+25.4pp | 67.0%+13.8pp | 67.2%+13.6pp |
| Annual return | 17.43% | 34.68%-17.3pp | 937.21%-919.8pp | 160.75%-143.3pp |
| Employer contribution / active EE | $605 | $1,699-64.4% | $2,724-77.8% | $2,671-77.4% |
| Participant deferral / active EE | $5,786 | $2,992+93.4% | $4,443+30.2% | $4,126+40.2% |
| Admin fee / account holder | $1,955 | $3,579-45.4% | $5,382-63.7% | $5,651-65.4% |