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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 | $85,343 | $102,422-16.7% | $147,117-42.0% | $80,959+5.4% |
| Participation rate | 95.3% | 75.9%+19.5pp | 82.2%+13.2pp | 67.7%+27.7pp |
| Annual return | 17.63% | 135.16%-117.5pp | 420.54%-402.9pp | 35.67%-18.0pp |
| Employer contribution / active EE | $4,163 | $3,717+12.0% | $4,932-15.6% | $2,757+51.0% |
| Participant deferral / active EE | $9,689 | $6,652+45.6% | $8,065+20.1% | $4,300+125.3% |
| Admin fee / account holder | $5,234 | $7,953-34.2% | $12,993-59.7% | $6,925-24.4% |