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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 | $91,272 | $96,643-5.6% | $86,617+5.4% | $139,456-34.6% |
| Participation rate | 75.0% | 74.4%+0.6pp | 71.7%+3.3pp | 80.3%-5.3pp |
| Annual return | 12.03% | 106.57%-94.5pp | 591.91%-579.9pp | 373.45%-361.4pp |
| Employer contribution / active EE | $1,340 | $3,264-59.0% | $3,023-55.7% | $4,753-71.8% |
| Participant deferral / active EE | $4,329 | $4,835-10.5% | $4,437-2.4% | $6,711-35.5% |
| Admin fee / account holder | $4,789 | $6,406-25.2% | $5,613-14.7% | $11,407-58.0% |