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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 | $54,516 | $102,422-46.8% | $147,117-62.9% | $80,959-32.7% |
| Participation rate | 96.3% | 75.9%+20.4pp | 82.2%+14.1pp | 67.7%+28.6pp |
| Annual return | 16.19% | 135.16%-119.0pp | 420.54%-404.3pp | 35.67%-19.5pp |
| Employer contribution / active EE | $4,243 | $3,717+14.1% | $4,932-14.0% | $2,757+53.9% |
| Participant deferral / active EE | $11,638 | $6,652+74.9% | $8,065+44.3% | $4,300+170.6% |
| Admin fee / account holder | $8,550 | $7,953+7.5% | $12,993-34.2% | $6,925+23.5% |