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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 | $77,384 | $102,422-24.4% | $147,117-47.4% | $80,959-4.4% |
| Participation rate | 93.5% | 75.9%+17.7pp | 82.2%+11.4pp | 67.7%+25.9pp |
| Annual return | 13.76% | 135.16%-121.4pp | 420.54%-406.8pp | 35.67%-21.9pp |
| Employer contribution / active EE | $5,494 | $3,717+47.8% | $4,932+11.4% | $2,757+99.3% |
| Participant deferral / active EE | $7,949 | $6,652+19.5% | $8,065-1.4% | $4,300+84.8% |
| Admin fee / account holder | $1,386 | $7,953-82.6% | $12,993-89.3% | $6,925-80.0% |