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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 | $96,448 | $102,385-5.8% | $147,080-34.4% | $80,935+19.2% |
| Participation rate | 94.1% | 75.9%+18.2pp | 82.2%+11.9pp | 67.7%+26.5pp |
| Annual return | 15.59% | 135.09%-119.5pp | 420.17%-404.6pp | 35.66%-20.1pp |
| Employer contribution / active EE | $3,640 | $3,717-2.1% | $4,933-26.2% | $2,757+32.0% |
| Participant deferral / active EE | $8,614 | $6,651+29.5% | $8,066+6.8% | $4,299+100.3% |
| Admin fee / account holder | $723 | $7,951-90.9% | $12,989-94.4% | $6,924-89.6% |