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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 | $68,349 | $102,422-33.3% | $147,117-53.5% | $80,959-15.6% |
| Participation rate | 92.5% | 75.9%+16.6pp | 82.2%+10.3pp | 67.7%+24.8pp |
| Annual return | 14.90% | 135.16%-120.3pp | 420.54%-405.6pp | 35.67%-20.8pp |
| Employer contribution / active EE | $5,355 | $3,717+44.1% | $4,932+8.6% | $2,757+94.2% |
| Participant deferral / active EE | $5,374 | $6,652-19.2% | $8,065-33.4% | $4,300+25.0% |
| Admin fee / account holder | $4,012 | $7,953-49.6% | $12,993-69.1% | $6,925-42.1% |