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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 | $44,972 | $75,832-40.7% | $147,617-69.5% | $59,633-24.6% |
| Participation rate | 96.0% | 71.6%+24.4pp | 84.6%+11.4pp | 68.7%+27.3pp |
| Annual return | 0.51% | 0.37%+0.1pp | 61.98%-61.5pp | 2041.45%-2040.9pp |
| Employer contribution / active EE | $2,083 | $3,485-40.2% | $5,564-62.6% | $2,203-5.5% |
| Participant deferral / active EE | $6,207 | $3,131+98.3% | $4,895+26.8% | $3,192+94.5% |
| Admin fee / account holder | $876 | $5,986-85.4% | $11,612-92.5% | $4,297-79.6% |