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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 | $87,587 | $102,393-14.5% | $147,041-40.4% | $80,911+8.3% |
| Participation rate | 97.4% | 75.9%+21.6pp | 82.2%+15.3pp | 67.6%+29.8pp |
| Annual return | 14.65% | 134.95%-120.3pp | 419.21%-404.6pp | 35.63%-21.0pp |
| Employer contribution / active EE | $4,957 | $3,715+33.4% | $4,935+0.4% | $2,756+79.9% |
| Participant deferral / active EE | $7,384 | $6,647+11.1% | $8,071-8.5% | $4,297+71.8% |
| Admin fee / account holder | $13,059 | $7,943+64.4% | $13,006+0.4% | $6,935+88.3% |