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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 | $85,949 | $102,422-16.1% | $147,117-41.6% | $80,959+6.2% |
| Participation rate | 70.8% | 75.9%-5.0pp | 82.2%-11.4pp | 67.7%+3.2pp |
| Annual return | 13.01% | 135.16%-122.1pp | 420.54%-407.5pp | 35.67%-22.7pp |
| Employer contribution / active EE | $2,854 | $3,717-23.2% | $4,932-42.1% | $2,757+3.5% |
| Participant deferral / active EE | $8,534 | $6,652+28.3% | $8,065+5.8% | $4,300+98.5% |
| Admin fee / account holder | $3,281 | $7,953-58.7% | $12,993-74.7% | $6,925-52.6% |