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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 | $89,394 | $96,691-7.5% | $86,656+3.2% | $139,487-35.9% |
| Participation rate | 90.0% | 74.4%+15.6pp | 71.7%+18.3pp | 80.3%+9.7pp |
| Annual return | 12.17% | 106.87%-94.7pp | 593.09%-580.9pp | 373.84%-361.7pp |
| Employer contribution / active EE | $2,274 | $3,267-30.4% | $3,025-24.8% | $4,755-52.2% |
| Participant deferral / active EE | $5,164 | $4,838+6.7% | $4,439+16.3% | $6,713-23.1% |
| Admin fee / account holder | $824 | $6,414-87.2% | $5,619-85.3% | $11,407-92.8% |