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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 | $72,540 | $102,422-29.2% | $147,117-50.7% | $80,959-10.4% |
| Participation rate | 79.7% | 75.9%+3.9pp | 82.2%-2.4pp | 67.7%+12.1pp |
| Annual return | 20.07% | 135.16%-115.1pp | 420.54%-400.5pp | 35.67%-15.6pp |
| Employer contribution / active EE | $5,328 | $3,717+43.3% | $4,932+8.0% | $2,757+93.2% |
| Participant deferral / active EE | $11,706 | $6,652+76.0% | $8,065+45.1% | $4,300+172.2% |
| Admin fee / account holder | $5,278 | $7,953-33.6% | $12,993-59.4% | $6,925-23.8% |