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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 | $99,386 | $102,393-2.9% | $147,041-32.4% | $80,911+22.8% |
| Participation rate | 88.7% | 75.9%+12.8pp | 82.2%+6.5pp | 67.6%+21.0pp |
| Annual return | 16.31% | 134.95%-118.6pp | 419.21%-402.9pp | 35.63%-19.3pp |
| Employer contribution / active EE | $5,275 | $3,715+42.0% | $4,935+6.9% | $2,756+91.4% |
| Participant deferral / active EE | $10,483 | $6,647+57.7% | $8,071+29.9% | $4,297+143.9% |
| Admin fee / account holder | $6,694 | $7,943-15.7% | $13,006-48.5% | $6,935-3.5% |