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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 | $89,434 | $102,429-12.7% | $147,096-39.2% | $80,925+10.5% |
| Participation rate | 96.7% | 75.9%+20.8pp | 82.2%+14.5pp | 67.7%+29.0pp |
| Annual return | 17.31% | 135.02%-117.7pp | 419.75%-402.4pp | 35.65%-18.3pp |
| Employer contribution / active EE | $6,218 | $3,716+67.4% | $4,936+26.0% | $2,756+125.6% |
| Participant deferral / active EE | $11,017 | $6,649+65.7% | $8,071+36.5% | $4,299+156.3% |
| Admin fee / account holder | $12,491 | $7,957+57.0% | $13,005-4.0% | $6,940+80.0% |