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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 | $72,817 | $102,422-28.9% | $147,117-50.5% | $80,959-10.1% |
| Participation rate | 76.8% | 75.9%+0.9pp | 82.2%-5.4pp | 67.7%+9.1pp |
| Annual return | 15.30% | 135.16%-119.9pp | 420.54%-405.2pp | 35.67%-20.4pp |
| Employer contribution / active EE | $2,280 | $3,717-38.7% | $4,932-53.8% | $2,757-17.3% |
| Participant deferral / active EE | $7,965 | $6,652+19.7% | $8,065-1.2% | $4,300+85.2% |
| Admin fee / account holder | $21,607 | $7,953+171.7% | $12,993+66.3% | $6,925+212.0% |