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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 | $65,109 | $102,385-36.4% | $147,080-55.7% | $80,935-19.6% |
| Participation rate | 97.1% | 75.9%+21.2pp | 82.2%+14.9pp | 67.7%+29.4pp |
| Annual return | 15.97% | 135.09%-119.1pp | 420.17%-404.2pp | 35.66%-19.7pp |
| Employer contribution / active EE | $3,211 | $3,717-13.6% | $4,933-34.9% | $2,757+16.5% |
| Participant deferral / active EE | $7,774 | $6,651+16.9% | $8,066-3.6% | $4,299+80.8% |
| Admin fee / account holder | $1,053 | $7,951-86.8% | $12,989-91.9% | $6,924-84.8% |