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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 | $76,415 | $102,635-25.5% | $86,209-11.4% | $139,456-45.2% |
| Participation rate | 94.1% | 74.5%+19.6pp | 69.0%+25.2pp | 80.3%+13.8pp |
| Annual return | 14.24% | 1923.53%-1909.3pp | 1169.05%-1154.8pp | 373.45%-359.2pp |
| Employer contribution / active EE | $1,103 | $3,034-63.7% | $2,381-53.7% | $4,753-76.8% |
| Participant deferral / active EE | $3,834 | $4,677-18.0% | $3,986-3.8% | $6,711-42.9% |
| Admin fee / account holder | $797 | $8,661-90.8% | $6,853-88.4% | $11,407-93.0% |