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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 | $104,652 | $102,382+2.2% | $147,005-28.8% | $80,874+29.4% |
| Participation rate | 74.6% | 75.8%-1.2pp | 82.2%-7.5pp | 67.6%+7.0pp |
| Annual return | 21.46% | 134.89%-113.4pp | 418.76%-397.3pp | 35.62%-14.2pp |
| Employer contribution / active EE | $3,467 | $3,715-6.7% | $4,934-29.7% | $2,756+25.8% |
| Participant deferral / active EE | $8,924 | $6,646+34.3% | $8,070+10.6% | $4,297+107.7% |
| Admin fee / account holder | $917 | $7,942-88.5% | $13,006-92.9% | $6,935-86.8% |