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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 | $46,668 | $110,629-57.8% | $80,784-42.2% | $167,553-72.1% |
| Participation rate | 80.0% | 64.0%+16.0pp | 54.2%+25.8pp | 82.1%-2.1pp |
| Annual return | 14.33% | 120.58%-106.3pp | 87.31%-73.0pp | 478.89%-464.6pp |
| Employer contribution / active EE | $1,859 | $1,543+20.4% | $1,160+60.2% | $4,840-61.6% |
| Participant deferral / active EE | $4,293 | $2,871+49.6% | $2,145+100.1% | $6,343-32.3% |
| Admin fee / account holder | $634 | $4,547-86.1% | $3,380-81.2% | $12,316-94.9% |