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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 | $94,964 | $102,385-7.2% | $147,080-35.4% | $80,935+17.3% |
| Participation rate | 91.3% | 75.9%+15.4pp | 82.2%+9.1pp | 67.7%+23.6pp |
| Annual return | 21.61% | 135.09%-113.5pp | 420.17%-398.6pp | 35.66%-14.1pp |
| Employer contribution / active EE | $5,979 | $3,717+60.9% | $4,933+21.2% | $2,757+116.9% |
| Participant deferral / active EE | $18,452 | $6,651+177.4% | $8,066+128.8% | $4,299+329.2% |
| Admin fee / account holder | $5,634 | $7,951-29.1% | $12,989-56.6% | $6,924-18.6% |