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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 | $71,037 | $102,385-30.6% | $147,080-51.7% | $80,935-12.2% |
| Participation rate | 88.9% | 75.9%+13.0pp | 82.2%+6.7pp | 67.7%+21.2pp |
| Annual return | 15.51% | 135.09%-119.6pp | 420.17%-404.7pp | 35.66%-20.1pp |
| Employer contribution / active EE | $4,225 | $3,717+13.7% | $4,933-14.4% | $2,757+53.3% |
| Participant deferral / active EE | $7,580 | $6,651+14.0% | $8,066-6.0% | $4,299+76.3% |
| Admin fee / account holder | $3,998 | $7,951-49.7% | $12,989-69.2% | $6,924-42.3% |