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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 | $87,144 | $101,591-14.2% | $147,096-40.8% | $74,429+17.1% |
| Participation rate | 80.8% | 75.5%+5.2pp | 82.2%-1.4pp | 67.2%+13.6pp |
| Annual return | 28.63% | 8746.45%-8717.8pp | 419.75%-391.1pp | 1368.38%-1339.8pp |
| Employer contribution / active EE | $4,786 | $3,813+25.5% | $4,936-3.0% | $2,625+82.3% |
| Participant deferral / active EE | $8,484 | $7,302+16.2% | $8,071+5.1% | $4,348+95.1% |
| Admin fee / account holder | $3,066 | $1,750+75.2% | $13,005-76.4% | $1,944+57.7% |