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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 | $90,349 | $102,422-11.8% | $147,117-38.6% | $80,959+11.6% |
| Participation rate | 96.2% | 75.9%+20.3pp | 82.2%+14.0pp | 67.7%+28.5pp |
| Annual return | 14.29% | 135.16%-120.9pp | 420.54%-406.2pp | 35.67%-21.4pp |
| Employer contribution / active EE | $3,812 | $3,717+2.6% | $4,932-22.7% | $2,757+38.3% |
| Participant deferral / active EE | $12,755 | $6,652+91.7% | $8,065+58.2% | $4,300+196.6% |
| Admin fee / account holder | $14,746 | $7,953+85.4% | $12,993+13.5% | $6,925+112.9% |