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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 | $79,577 | $108,685-26.8% | $74,719+6.5% | $152,885-47.9% |
| Participation rate | 80.0% | 65.3%+14.7pp | 54.5%+25.5pp | 82.5%-2.5pp |
| Annual return | 14.05% | 114.09%-100.0pp | 753.05%-739.0pp | 345.39%-331.3pp |
| Employer contribution / active EE | $8,731 | $1,504+480.5% | $1,084+705.4% | $4,763+83.3% |
| Participant deferral / active EE | $5,708 | $2,712+110.5% | $1,963+190.7% | $5,851-2.4% |
| Admin fee / account holder | $3,221 | $4,905-34.3% | $3,334-3.4% | $11,598-72.2% |