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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 | $75,866 | $102,429-25.9% | $147,096-48.4% | $80,925-6.3% |
| Participation rate | 96.1% | 75.9%+20.2pp | 82.2%+13.9pp | 67.7%+28.4pp |
| Annual return | 15.89% | 135.02%-119.1pp | 419.75%-403.9pp | 35.65%-19.8pp |
| Employer contribution / active EE | $7,382 | $3,716+98.7% | $4,936+49.6% | $2,756+167.8% |
| Participant deferral / active EE | $6,631 | $6,649-0.3% | $8,071-17.8% | $4,299+54.3% |
| Admin fee / account holder | $9,493 | $7,957+19.3% | $13,005-27.0% | $6,940+36.8% |