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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 | $81,369 | $102,385-20.5% | $147,080-44.7% | $80,935+0.5% |
| Participation rate | 89.5% | 75.9%+13.6pp | 82.2%+7.3pp | 67.7%+21.8pp |
| Annual return | 15.45% | 135.09%-119.6pp | 420.17%-404.7pp | 35.66%-20.2pp |
| Employer contribution / active EE | $1,437 | $3,717-61.3% | $4,933-70.9% | $2,757-47.9% |
| Participant deferral / active EE | $7,504 | $6,651+12.8% | $8,066-7.0% | $4,299+74.5% |
| Admin fee / account holder | $8,524 | $7,951+7.2% | $12,989-34.4% | $6,924+23.1% |