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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 | $43,070 | $52,519-18.0% | $155,789-72.4% | $59,633-27.8% |
| Participation rate | 76.9% | 61.7%+15.2pp | 76.1%+0.8pp | 68.7%+8.3pp |
| Annual return | 0.47% | 53.51%-53.0pp | 71.54%-71.1pp | 2041.45%-2041.0pp |
| Employer contribution / active EE | $1,851 | $1,589+16.5% | $3,839-51.8% | $2,203-15.9% |
| Participant deferral / active EE | $3,863 | $3,084+25.2% | $4,798-19.5% | $3,192+21.0% |
| Admin fee / account holder | $1,223 | $3,540-65.4% | $7,477-83.6% | $4,297-71.5% |