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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 | $47,273 | $102,385-53.8% | $147,080-67.9% | $80,935-41.6% |
| Participation rate | 92.6% | 75.9%+16.7pp | 82.2%+10.4pp | 67.7%+24.9pp |
| Annual return | 13.14% | 135.09%-122.0pp | 420.17%-407.0pp | 35.66%-22.5pp |
| Employer contribution / active EE | $3,869 | $3,717+4.1% | $4,933-21.6% | $2,757+40.4% |
| Participant deferral / active EE | $8,275 | $6,651+24.4% | $8,066+2.6% | $4,299+92.5% |
| Admin fee / account holder | $7,006 | $7,951-11.9% | $12,989-46.1% | $6,924+1.2% |