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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 | $79,534 | $96,678-17.7% | $86,640-8.2% | $139,466-43.0% |
| Participation rate | 85.7% | 74.4%+11.3pp | 71.7%+14.0pp | 80.3%+5.4pp |
| Annual return | 15.41% | 106.69%-91.3pp | 592.52%-577.1pp | 373.66%-358.2pp |
| Employer contribution / active EE | $1,934 | $3,265-40.8% | $3,024-36.0% | $4,754-59.3% |
| Participant deferral / active EE | $8,620 | $4,837+78.2% | $4,438+94.2% | $6,712+28.4% |
| Admin fee / account holder | $1,267 | $6,410-80.2% | $5,616-77.4% | $11,409-88.9% |