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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 | $54,662 | $102,422-46.6% | $147,117-62.8% | $80,959-32.5% |
| Participation rate | 95.4% | 75.9%+19.5pp | 82.2%+13.2pp | 67.7%+27.7pp |
| Annual return | 18.55% | 135.16%-116.6pp | 420.54%-402.0pp | 35.67%-17.1pp |
| Employer contribution / active EE | $4,088 | $3,717+10.0% | $4,932-17.1% | $2,757+48.3% |
| Participant deferral / active EE | $7,714 | $6,652+16.0% | $8,065-4.3% | $4,300+79.4% |
| Admin fee / account holder | $5,102 | $7,953-35.9% | $12,993-60.7% | $6,925-26.3% |