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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 | $79,153 | $102,385-22.7% | $147,080-46.2% | $80,935-2.2% |
| Participation rate | 97.9% | 75.9%+22.0pp | 82.2%+15.7pp | 67.7%+30.3pp |
| Annual return | 15.54% | 135.09%-119.6pp | 420.17%-404.6pp | 35.66%-20.1pp |
| Employer contribution / active EE | $2,874 | $3,717-22.7% | $4,933-41.7% | $2,757+4.2% |
| Participant deferral / active EE | $8,795 | $6,651+32.2% | $8,066+9.0% | $4,299+104.6% |
| Admin fee / account holder | $2,600 | $7,951-67.3% | $12,989-80.0% | $6,924-62.5% |