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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 | $40,766 | $96,678-57.8% | $86,640-52.9% | $139,466-70.8% |
| Participation rate | 88.2% | 74.4%+13.8pp | 71.7%+16.5pp | 80.3%+7.9pp |
| Annual return | 15.22% | 106.69%-91.5pp | 592.52%-577.3pp | 373.66%-358.4pp |
| Employer contribution / active EE | $2,058 | $3,265-37.0% | $3,024-31.9% | $4,754-56.7% |
| Participant deferral / active EE | $3,997 | $4,837-17.4% | $4,438-9.9% | $6,712-40.4% |
| Admin fee / account holder | $11,248 | $6,410+75.5% | $5,616+100.3% | $11,409-1.4% |