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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 | $63,335 | $102,422-38.2% | $147,117-56.9% | $80,959-21.8% |
| Participation rate | 78.6% | 75.9%+2.7pp | 82.2%-3.6pp | 67.7%+10.9pp |
| Annual return | 18.82% | 135.16%-116.3pp | 420.54%-401.7pp | 35.67%-16.8pp |
| Employer contribution / active EE | $4,893 | $3,717+31.6% | $4,932-0.8% | $2,757+77.5% |
| Participant deferral / active EE | $9,402 | $6,652+41.3% | $8,065+16.6% | $4,300+118.6% |
| Admin fee / account holder | $3,733 | $7,953-53.1% | $12,993-71.3% | $6,925-46.1% |