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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 | $131,077 | $102,382+28.0% | $147,005-10.8% | $80,874+62.1% |
| Participation rate | 79.4% | 75.8%+3.6pp | 82.2%-2.7pp | 67.6%+11.8pp |
| Annual return | 18.58% | 134.89%-116.3pp | 418.76%-400.2pp | 35.62%-17.0pp |
| Employer contribution / active EE | $3,835 | $3,715+3.2% | $4,934-22.3% | $2,756+39.2% |
| Participant deferral / active EE | $6,764 | $6,646+1.8% | $8,070-16.2% | $4,297+57.4% |
| Admin fee / account holder | $362 | $7,942-95.4% | $13,006-97.2% | $6,935-94.8% |