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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 | $77,053 | $102,385-24.7% | $147,080-47.6% | $80,935-4.8% |
| Participation rate | 76.7% | 75.9%+0.8pp | 82.2%-5.5pp | 67.7%+9.0pp |
| Annual return | 15.49% | 135.09%-119.6pp | 420.17%-404.7pp | 35.66%-20.2pp |
| Employer contribution / active EE | $2,267 | $3,717-39.0% | $4,933-54.0% | $2,757-17.8% |
| Participant deferral / active EE | $9,842 | $6,651+48.0% | $8,066+22.0% | $4,299+128.9% |
| Admin fee / account holder | $2,793 | $7,951-64.9% | $12,989-78.5% | $6,924-59.7% |