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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 | $72,187 | $102,393-29.5% | $147,041-50.9% | $80,911-10.8% |
| Participation rate | 84.6% | 75.9%+8.8pp | 82.2%+2.4pp | 67.6%+17.0pp |
| Annual return | 18.19% | 134.95%-116.8pp | 419.21%-401.0pp | 35.63%-17.4pp |
| Employer contribution / active EE | $3,084 | $3,715-17.0% | $4,935-37.5% | $2,756+11.9% |
| Participant deferral / active EE | $8,459 | $6,647+27.3% | $8,071+4.8% | $4,297+96.9% |
| Admin fee / account holder | $899 | $7,943-88.7% | $13,006-93.1% | $6,935-87.0% |