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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 | $82,123 | $102,385-19.8% | $147,080-44.2% | $80,935+1.5% |
| Participation rate | 89.4% | 75.9%+13.5pp | 82.2%+7.2pp | 67.7%+21.7pp |
| Annual return | 16.89% | 135.09%-118.2pp | 420.17%-403.3pp | 35.66%-18.8pp |
| Employer contribution / active EE | $6,794 | $3,717+82.8% | $4,933+37.7% | $2,757+146.4% |
| Participant deferral / active EE | $10,703 | $6,651+60.9% | $8,066+32.7% | $4,299+148.9% |
| Admin fee / account holder | $3,153 | $7,951-60.4% | $12,989-75.7% | $6,924-54.5% |