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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 | $79,503 | $102,382-22.3% | $147,005-45.9% | $80,874-1.7% |
| Participation rate | 98.4% | 75.8%+22.6pp | 82.2%+16.3pp | 67.6%+30.8pp |
| Annual return | 15.34% | 134.89%-119.5pp | 418.76%-403.4pp | 35.62%-20.3pp |
| Employer contribution / active EE | $4,478 | $3,715+20.5% | $4,934-9.2% | $2,756+62.5% |
| Participant deferral / active EE | $6,948 | $6,646+4.5% | $8,070-13.9% | $4,297+61.7% |
| Admin fee / account holder | $1,608 | $7,942-79.8% | $13,006-87.6% | $6,935-76.8% |