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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 | $74,008 | $102,382-27.7% | $147,005-49.7% | $80,874-8.5% |
| Participation rate | 79.6% | 75.8%+3.8pp | 82.2%-2.5pp | 67.6%+12.0pp |
| Annual return | 16.05% | 134.89%-118.8pp | 418.76%-402.7pp | 35.62%-19.6pp |
| Employer contribution / active EE | $4,321 | $3,715+16.3% | $4,934-12.4% | $2,756+56.8% |
| Participant deferral / active EE | $11,851 | $6,646+78.3% | $8,070+46.9% | $4,297+175.8% |
| Admin fee / account holder | $3,818 | $7,942-51.9% | $13,006-70.6% | $6,935-44.9% |