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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 | $99,584 | $65,575+51.9% | $86,209+15.5% | $75,181+32.5% |
| Participation rate | 72.1% | 60.5%+11.6pp | 69.0%+3.1pp | 67.2%+4.9pp |
| Annual return | 13.86% | 46.07%-32.2pp | 1169.05%-1155.2pp | 160.69%-146.8pp |
| Employer contribution / active EE | $611 | $1,553-60.7% | $2,381-74.3% | $2,671-77.1% |
| Participant deferral / active EE | $2,907 | $3,023-3.8% | $3,986-27.1% | $4,126-29.5% |
| Admin fee / account holder | $943 | $5,470-82.8% | $6,853-86.2% | $5,650-83.3% |