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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 | $34,071 | $63,346-46.2% | $92,240-63.1% | $70,126-51.4% |
| Participation rate | 83.7% | 68.7%+15.0pp | 76.5%+7.2pp | 69.5%+14.2pp |
| Annual return | 18.70% | 530.19%-511.5pp | 176.29%-157.6pp | 73.15%-54.4pp |
| Employer contribution / active EE | $2,155 | $2,471-12.8% | $3,680-41.4% | $2,343-8.0% |
| Participant deferral / active EE | $3,392 | $2,854+18.9% | $3,897-13.0% | $3,332+1.8% |
| Admin fee / account holder | $18,545 | $3,841+382.8% | $5,194+257.0% | $4,645+299.2% |