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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 | $102,422-27.7% | $147,117-49.7% | $80,959-8.6% |
| Participation rate | 79.6% | 75.9%+3.8pp | 82.2%-2.6pp | 67.7%+12.0pp |
| Annual return | 16.05% | 135.16%-119.1pp | 420.54%-404.5pp | 35.67%-19.6pp |
| Employer contribution / active EE | $4,321 | $3,717+16.2% | $4,932-12.4% | $2,757+56.7% |
| Participant deferral / active EE | $11,851 | $6,652+78.2% | $8,065+47.0% | $4,300+175.6% |
| Admin fee / account holder | $3,818 | $7,953-52.0% | $12,993-70.6% | $6,925-44.9% |