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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 | $58,407 | $102,429-43.0% | $147,096-60.3% | $80,925-27.8% |
| Participation rate | 93.6% | 75.9%+17.8pp | 82.2%+11.4pp | 67.7%+26.0pp |
| Annual return | 18.94% | 135.02%-116.1pp | 419.75%-400.8pp | 35.65%-16.7pp |
| Employer contribution / active EE | $4,902 | $3,716+31.9% | $4,936-0.7% | $2,756+77.9% |
| Participant deferral / active EE | $13,511 | $6,649+103.2% | $8,071+67.4% | $4,299+214.3% |
| Admin fee / account holder | $6,480 | $7,957-18.6% | $13,005-50.2% | $6,940-6.6% |