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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 | $47,392 | $63,346-25.2% | $92,240-48.6% | $70,126-32.4% |
| Participation rate | 72.3% | 68.7%+3.7pp | 76.5%-4.1pp | 69.5%+2.8pp |
| Annual return | 14.83% | 530.19%-515.4pp | 176.29%-161.5pp | 73.15%-58.3pp |
| Employer contribution / active EE | $1,155 | $2,471-53.2% | $3,680-68.6% | $2,343-50.7% |
| Participant deferral / active EE | $1,220 | $2,854-57.2% | $3,897-68.7% | $3,332-63.4% |
| Admin fee / account holder | $3,002 | $3,841-21.8% | $5,194-42.2% | $4,645-35.4% |