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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 | $91,728 | $102,429-10.4% | $147,096-37.6% | $80,925+13.3% |
| Participation rate | 90.3% | 75.9%+14.5pp | 82.2%+8.1pp | 67.7%+22.7pp |
| Annual return | 12.78% | 135.02%-122.2pp | 419.75%-407.0pp | 35.65%-22.9pp |
| Employer contribution / active EE | $6,119 | $3,716+64.7% | $4,936+24.0% | $2,756+122.0% |
| Participant deferral / active EE | $6,904 | $6,649+3.8% | $8,071-14.5% | $4,299+60.6% |
| Admin fee / account holder | $5,004 | $7,957-37.1% | $13,005-61.5% | $6,940-27.9% |