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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 | $102,393-30.6% | $147,041-51.7% | $80,911-12.2% |
| Participation rate | 88.9% | 75.9%+13.0pp | 82.2%+6.7pp | 67.6%+21.2pp |
| Annual return | 15.51% | 134.95%-119.4pp | 419.21%-403.7pp | 35.63%-20.1pp |
| Employer contribution / active EE | $4,225 | $3,715+13.7% | $4,935-14.4% | $2,756+53.3% |
| Participant deferral / active EE | $7,580 | $6,647+14.0% | $8,071-6.1% | $4,297+76.4% |
| Admin fee / account holder | $3,998 | $7,943-49.7% | $13,006-69.3% | $6,935-42.3% |