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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 | $102,429+28.0% | $147,096-10.9% | $80,925+62.0% |
| Participation rate | 79.4% | 75.9%+3.6pp | 82.2%-2.8pp | 67.7%+11.8pp |
| Annual return | 18.58% | 135.02%-116.4pp | 419.75%-401.2pp | 35.65%-17.1pp |
| Employer contribution / active EE | $3,835 | $3,716+3.2% | $4,936-22.3% | $2,756+39.1% |
| Participant deferral / active EE | $6,764 | $6,649+1.7% | $8,071-16.2% | $4,299+57.4% |
| Admin fee / account holder | $362 | $7,957-95.5% | $13,005-97.2% | $6,940-94.8% |