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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 | $102,393-28.9% | $147,041-50.5% | $80,911-10.0% |
| Participation rate | 76.8% | 75.9%+0.9pp | 82.2%-5.4pp | 67.6%+9.1pp |
| Annual return | 15.30% | 134.95%-119.6pp | 419.21%-403.9pp | 35.63%-20.3pp |
| Employer contribution / active EE | $2,280 | $3,715-38.6% | $4,935-53.8% | $2,756-17.3% |
| Participant deferral / active EE | $7,965 | $6,647+19.8% | $8,071-1.3% | $4,297+85.4% |
| Admin fee / account holder | $21,607 | $7,943+172.0% | $13,006+66.1% | $6,935+211.6% |