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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 | $42,311 | $102,422-58.7% | $147,117-71.2% | $80,959-47.7% |
| Participation rate | 87.3% | 75.9%+11.4pp | 82.2%+5.1pp | 67.7%+19.6pp |
| Annual return | 14.86% | 135.16%-120.3pp | 420.54%-405.7pp | 35.67%-20.8pp |
| Employer contribution / active EE | $4,466 | $3,717+20.1% | $4,932-9.5% | $2,757+62.0% |
| Participant deferral / active EE | $8,190 | $6,652+23.1% | $8,065+1.6% | $4,300+90.4% |
| Admin fee / account holder | $3,156 | $7,953-60.3% | $12,993-75.7% | $6,925-54.4% |