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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 | $74,650 | $102,385-27.1% | $147,080-49.2% | $80,935-7.8% |
| Participation rate | 78.1% | 75.9%+2.3pp | 82.2%-4.1pp | 67.7%+10.5pp |
| Annual return | 20.12% | 135.09%-115.0pp | 420.17%-400.1pp | 35.66%-15.5pp |
| Employer contribution / active EE | $4,300 | $3,717+15.7% | $4,933-12.8% | $2,757+56.0% |
| Participant deferral / active EE | $11,616 | $6,651+74.7% | $8,066+44.0% | $4,299+170.2% |
| Admin fee / account holder | $3,594 | $7,951-54.8% | $12,989-72.3% | $6,924-48.1% |