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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 | $54,473 | $102,385-46.8% | $147,080-63.0% | $80,935-32.7% |
| Participation rate | 91.9% | 75.9%+16.0pp | 82.2%+9.7pp | 67.7%+24.2pp |
| Annual return | 14.19% | 135.09%-120.9pp | 420.17%-406.0pp | 35.66%-21.5pp |
| Employer contribution / active EE | $3,829 | $3,717+3.0% | $4,933-22.4% | $2,757+38.9% |
| Participant deferral / active EE | $7,043 | $6,651+5.9% | $8,066-12.7% | $4,299+63.8% |
| Admin fee / account holder | $651 | $7,951-91.8% | $12,989-95.0% | $6,924-90.6% |