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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 | $81,670 | $103,038-20.7% | $90,324-9.6% | $152,909-46.6% |
| Participation rate | 77.8% | 75.9%+1.9pp | 73.3%+4.5pp | 82.5%-4.7pp |
| Annual return | 112.44% | 95.25%+17.2pp | 78.15%+34.3pp | 345.46%-233.0pp |
| Employer contribution / active EE | $1,281 | $3,141-59.2% | $2,856-55.2% | $4,764-73.1% |
| Participant deferral / active EE | $8,153 | $4,282+90.4% | $3,885+109.9% | $5,851+39.3% |
| Admin fee / account holder | $5,091 | $6,177-17.6% | $5,356-4.9% | $11,601-56.1% |