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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 | $75,442 | $102,422-26.3% | $147,117-48.7% | $80,959-6.8% |
| Participation rate | 91.7% | 75.9%+15.8pp | 82.2%+9.5pp | 67.7%+24.0pp |
| Annual return | 13.70% | 135.16%-121.5pp | 420.54%-406.8pp | 35.67%-22.0pp |
| Employer contribution / active EE | $2,485 | $3,717-33.2% | $4,932-49.6% | $2,757-9.9% |
| Participant deferral / active EE | $9,884 | $6,652+48.6% | $8,065+22.6% | $4,300+129.8% |
| Admin fee / account holder | $3,437 | $7,953-56.8% | $12,993-73.6% | $6,925-50.4% |