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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 | $149,798 | $102,393+46.3% | $147,041+1.9% | $80,911+85.1% |
| Participation rate | 83.7% | 75.9%+7.8pp | 82.2%+1.5pp | 67.6%+16.0pp |
| Annual return | 19.08% | 134.95%-115.9pp | 419.21%-400.1pp | 35.63%-16.6pp |
| Employer contribution / active EE | $2,679 | $3,715-27.9% | $4,935-45.7% | $2,756-2.8% |
| Participant deferral / active EE | $6,725 | $6,647+1.2% | $8,071-16.7% | $4,297+56.5% |
| Admin fee / account holder | $16,482 | $7,943+107.5% | $13,006+26.7% | $6,935+137.7% |