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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 | $102,429+46.2% | $147,096+1.8% | $80,925+85.1% |
| Participation rate | 83.7% | 75.9%+7.8pp | 82.2%+1.5pp | 67.7%+16.0pp |
| Annual return | 19.08% | 135.02%-115.9pp | 419.75%-400.7pp | 35.65%-16.6pp |
| Employer contribution / active EE | $2,679 | $3,716-27.9% | $4,936-45.7% | $2,756-2.8% |
| Participant deferral / active EE | $6,725 | $6,649+1.1% | $8,071-16.7% | $4,299+56.4% |
| Admin fee / account holder | $16,482 | $7,957+107.1% | $13,005+26.7% | $6,940+137.5% |