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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 | $102,382+28.2% | $147,005-10.7% | $80,874+62.3% |
| Participation rate | 73.1% | 75.8%-2.8pp | 82.2%-9.1pp | 67.6%+5.4pp |
| Annual return | 18.43% | 134.89%-116.5pp | 418.76%-400.3pp | 35.62%-17.2pp |
| Employer contribution / active EE | $4,038 | $3,715+8.7% | $4,934-18.2% | $2,756+46.5% |
| Participant deferral / active EE | $10,982 | $6,646+65.2% | $8,070+36.1% | $4,297+155.6% |
| Admin fee / account holder | $4,200 | $7,942-47.1% | $13,006-67.7% | $6,935-39.4% |