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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 | $72,009 | $102,393-29.7% | $147,041-51.0% | $80,911-11.0% |
| Participation rate | 86.2% | 75.9%+10.4pp | 82.2%+4.0pp | 67.6%+18.6pp |
| Annual return | 16.05% | 134.95%-118.9pp | 419.21%-403.2pp | 35.63%-19.6pp |
| Employer contribution / active EE | $2,933 | $3,715-21.1% | $4,935-40.6% | $2,756+6.4% |
| Participant deferral / active EE | $6,919 | $6,647+4.1% | $8,071-14.3% | $4,297+61.0% |
| Admin fee / account holder | $1,139 | $7,943-85.7% | $13,006-91.2% | $6,935-83.6% |