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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 | $51,254 | $102,385-49.9% | $147,080-65.2% | $80,935-36.7% |
| Participation rate | 84.2% | 75.9%+8.3pp | 82.2%+2.0pp | 67.7%+16.5pp |
| Annual return | 15.67% | 135.09%-119.4pp | 420.17%-404.5pp | 35.66%-20.0pp |
| Employer contribution / active EE | $2,390 | $3,717-35.7% | $4,933-51.6% | $2,757-13.3% |
| Participant deferral / active EE | $6,033 | $6,651-9.3% | $8,066-25.2% | $4,299+40.3% |
| Admin fee / account holder | $3,875 | $7,951-51.3% | $12,989-70.2% | $6,924-44.0% |