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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 | $74,079 | $102,385-27.6% | $147,080-49.6% | $80,935-8.5% |
| Participation rate | 89.3% | 75.9%+13.4pp | 82.2%+7.1pp | 67.7%+21.6pp |
| Annual return | 21.46% | 135.09%-113.6pp | 420.17%-398.7pp | 35.66%-14.2pp |
| Employer contribution / active EE | $2,807 | $3,717-24.5% | $4,933-43.1% | $2,757+1.8% |
| Participant deferral / active EE | $5,786 | $6,651-13.0% | $8,066-28.3% | $4,299+34.6% |
| Admin fee / account holder | $469 | $7,951-94.1% | $12,989-96.4% | $6,924-93.2% |