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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 | $90,064 | $102,429-12.1% | $147,096-38.8% | $80,925+11.3% |
| Participation rate | 94.4% | 75.9%+18.6pp | 82.2%+12.3pp | 67.7%+26.8pp |
| Annual return | 13.16% | 135.02%-121.9pp | 419.75%-406.6pp | 35.65%-22.5pp |
| Employer contribution / active EE | $2,901 | $3,716-21.9% | $4,936-41.2% | $2,756+5.2% |
| Participant deferral / active EE | $7,545 | $6,649+13.5% | $8,071-6.5% | $4,299+75.5% |
| Admin fee / account holder | $7,697 | $7,957-3.3% | $13,005-40.8% | $6,940+10.9% |