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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 | $59,583 | $102,382-41.8% | $147,005-59.5% | $80,874-26.3% |
| Participation rate | 79.1% | 75.8%+3.2pp | 82.2%-3.1pp | 67.6%+11.4pp |
| Annual return | 14.52% | 134.89%-120.4pp | 418.76%-404.2pp | 35.62%-21.1pp |
| Employer contribution / active EE | $2,914 | $3,715-21.6% | $4,934-40.9% | $2,756+5.8% |
| Participant deferral / active EE | $5,073 | $6,646-23.7% | $8,070-37.1% | $4,297+18.1% |
| Admin fee / account holder | $1,719 | $7,942-78.4% | $13,006-86.8% | $6,935-75.2% |