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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 | $105,728 | $102,382+3.3% | $147,005-28.1% | $80,874+30.7% |
| Participation rate | 71.4% | 75.8%-4.4pp | 82.2%-10.7pp | 67.6%+3.8pp |
| Annual return | 12.73% | 134.89%-122.2pp | 418.76%-406.0pp | 35.62%-22.9pp |
| Employer contribution / active EE | $3,612 | $3,715-2.8% | $4,934-26.8% | $2,756+31.1% |
| Participant deferral / active EE | $7,849 | $6,646+18.1% | $8,070-2.7% | $4,297+82.7% |
| Admin fee / account holder | $1,523 | $7,942-80.8% | $13,006-88.3% | $6,935-78.0% |