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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 | $131,284 | $102,422+28.2% | $147,117-10.8% | $80,959+62.2% |
| Participation rate | 73.1% | 75.9%-2.8pp | 82.2%-9.1pp | 67.7%+5.4pp |
| Annual return | 18.43% | 135.16%-116.7pp | 420.54%-402.1pp | 35.67%-17.2pp |
| Employer contribution / active EE | $4,038 | $3,717+8.6% | $4,932-18.1% | $2,757+46.4% |
| Participant deferral / active EE | $10,982 | $6,652+65.1% | $8,065+36.2% | $4,300+155.4% |
| Admin fee / account holder | $4,200 | $7,953-47.2% | $12,993-67.7% | $6,925-39.3% |