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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 | $45,288 | $102,382-55.8% | $147,005-69.2% | $80,874-44.0% |
| Participation rate | 80.0% | 75.8%+4.2pp | 82.2%-2.2pp | 67.6%+12.4pp |
| Annual return | 19.18% | 134.89%-115.7pp | 418.76%-399.6pp | 35.62%-16.4pp |
| Employer contribution / active EE | $3,766 | $3,715+1.4% | $4,934-23.7% | $2,756+36.7% |
| Participant deferral / active EE | $6,960 | $6,646+4.7% | $8,070-13.8% | $4,297+62.0% |
| Admin fee / account holder | $4,613 | $7,942-41.9% | $13,006-64.5% | $6,935-33.5% |