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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 | $86,367 | $102,422-15.7% | $147,117-41.3% | $80,959+6.7% |
| Participation rate | 77.2% | 75.9%+1.3pp | 82.2%-5.0pp | 67.7%+9.5pp |
| Annual return | 19.01% | 135.16%-116.1pp | 420.54%-401.5pp | 35.67%-16.7pp |
| Employer contribution / active EE | $4,028 | $3,717+8.3% | $4,932-18.3% | $2,757+46.1% |
| Participant deferral / active EE | $8,781 | $6,652+32.0% | $8,065+8.9% | $4,300+104.2% |
| Admin fee / account holder | $9,170 | $7,953+15.3% | $12,993-29.4% | $6,925+32.4% |