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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 | $90,734 | $102,429-11.4% | $147,096-38.3% | $80,925+12.1% |
| Participation rate | 88.9% | 75.9%+13.0pp | 82.2%+6.7pp | 67.7%+21.2pp |
| Annual return | 15.03% | 135.02%-120.0pp | 419.75%-404.7pp | 35.65%-20.6pp |
| Employer contribution / active EE | $7,800 | $3,716+109.9% | $4,936+58.0% | $2,756+183.0% |
| Participant deferral / active EE | $13,753 | $6,649+106.9% | $8,071+70.4% | $4,299+219.9% |
| Admin fee / account holder | $3,799 | $7,957-52.2% | $13,005-70.8% | $6,940-45.3% |