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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 | $72,779 | $102,393-28.9% | $147,041-50.5% | $80,911-10.0% |
| Participation rate | 97.6% | 75.9%+21.8pp | 82.2%+15.5pp | 67.6%+30.0pp |
| Annual return | 12.44% | 134.95%-122.5pp | 419.21%-406.8pp | 35.63%-23.2pp |
| Employer contribution / active EE | $2,920 | $3,715-21.4% | $4,935-40.8% | $2,756+5.9% |
| Participant deferral / active EE | $5,885 | $6,647-11.5% | $8,071-27.1% | $4,297+36.9% |
| Admin fee / account holder | $1,102 | $7,943-86.1% | $13,006-91.5% | $6,935-84.1% |