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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 | $73,222 | $102,385-28.5% | $147,080-50.2% | $80,935-9.5% |
| Participation rate | 72.4% | 75.9%-3.5pp | 82.2%-9.8pp | 67.7%+4.8pp |
| Annual return | 12.17% | 135.09%-122.9pp | 420.17%-408.0pp | 35.66%-23.5pp |
| Employer contribution / active EE | $3,759 | $3,717+1.1% | $4,933-23.8% | $2,757+36.3% |
| Participant deferral / active EE | $13,997 | $6,651+110.5% | $8,066+73.5% | $4,299+225.6% |
| Admin fee / account holder | $22,936 | $7,951+188.4% | $12,989+76.6% | $6,924+231.2% |