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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 | $81,878 | $102,422-20.1% | $147,117-44.3% | $80,959+1.1% |
| Participation rate | 86.7% | 75.9%+10.8pp | 82.2%+4.5pp | 67.7%+19.0pp |
| Annual return | 24.30% | 135.16%-110.9pp | 420.54%-396.2pp | 35.67%-11.4pp |
| Employer contribution / active EE | $4,139 | $3,717+11.4% | $4,932-16.1% | $2,757+50.1% |
| Participant deferral / active EE | $10,866 | $6,652+63.3% | $8,065+34.7% | $4,300+152.7% |
| Admin fee / account holder | $1,229 | $7,953-84.5% | $12,993-90.5% | $6,925-82.3% |