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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 | $91,431 | $102,429-10.7% | $147,096-37.8% | $80,925+13.0% |
| Participation rate | 88.2% | 75.9%+12.4pp | 82.2%+6.1pp | 67.7%+20.6pp |
| Annual return | 13.79% | 135.02%-121.2pp | 419.75%-406.0pp | 35.65%-21.9pp |
| Employer contribution / active EE | $2,300 | $3,716-38.1% | $4,936-53.4% | $2,756-16.6% |
| Participant deferral / active EE | $4,295 | $6,649-35.4% | $8,071-46.8% | $4,299-0.1% |
| Admin fee / account holder | $3,972 | $7,957-50.1% | $13,005-69.5% | $6,940-42.8% |