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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 | $78,386 | $102,422-23.5% | $147,117-46.7% | $80,959-3.2% |
| Participation rate | 76.5% | 75.9%+0.6pp | 82.2%-5.7pp | 67.7%+8.8pp |
| Annual return | 15.16% | 135.16%-120.0pp | 420.54%-405.4pp | 35.67%-20.5pp |
| Employer contribution / active EE | $4,989 | $3,717+34.2% | $4,932+1.1% | $2,757+80.9% |
| Participant deferral / active EE | $7,315 | $6,652+10.0% | $8,065-9.3% | $4,300+70.1% |
| Admin fee / account holder | $613 | $7,953-92.3% | $12,993-95.3% | $6,925-91.2% |