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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 | $102,393-22.7% | $147,041-46.2% | $80,911-2.2% |
| Participation rate | 97.9% | 75.9%+22.1pp | 82.2%+15.7pp | 67.6%+30.3pp |
| Annual return | 15.54% | 134.95%-119.4pp | 419.21%-403.7pp | 35.63%-20.1pp |
| Employer contribution / active EE | $2,874 | $3,715-22.6% | $4,935-41.8% | $2,756+4.3% |
| Participant deferral / active EE | $8,795 | $6,647+32.3% | $8,071+9.0% | $4,297+104.7% |
| Admin fee / account holder | $2,600 | $7,943-67.3% | $13,006-80.0% | $6,935-62.5% |