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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 | $84,308 | $102,429-17.7% | $147,096-42.7% | $80,925+4.2% |
| Participation rate | 77.8% | 75.9%+1.9pp | 82.2%-4.4pp | 67.7%+10.1pp |
| Annual return | 19.41% | 135.02%-115.6pp | 419.75%-400.3pp | 35.65%-16.2pp |
| Employer contribution / active EE | $9,647 | $3,716+159.6% | $4,936+95.4% | $2,756+250.0% |
| Participant deferral / active EE | $17,638 | $6,649+165.3% | $8,071+118.5% | $4,299+310.3% |
| Admin fee / account holder | $6,295 | $7,957-20.9% | $13,005-51.6% | $6,940-9.3% |