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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 | $27,232 | $102,382-73.4% | $147,005-81.5% | $80,874-66.3% |
| Participation rate | 97.4% | 75.8%+21.5pp | 82.2%+15.2pp | 67.6%+29.7pp |
| Annual return | 13.96% | 134.89%-120.9pp | 418.76%-404.8pp | 35.62%-21.7pp |
| Employer contribution / active EE | $4,680 | $3,715+26.0% | $4,934-5.2% | $2,756+69.8% |
| Participant deferral / active EE | $9,859 | $6,646+48.3% | $8,070+22.2% | $4,297+129.4% |
| Admin fee / account holder | $7,426 | $7,942-6.5% | $13,006-42.9% | $6,935+7.1% |