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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 | $86,231 | $102,422-15.8% | $147,117-41.4% | $80,959+6.5% |
| Participation rate | 97.6% | 75.9%+21.7pp | 82.2%+15.4pp | 67.7%+30.0pp |
| Annual return | 15.57% | 135.16%-119.6pp | 420.54%-405.0pp | 35.67%-20.1pp |
| Employer contribution / active EE | $3,952 | $3,717+6.3% | $4,932-19.9% | $2,757+43.3% |
| Participant deferral / active EE | $8,118 | $6,652+22.0% | $8,065+0.7% | $4,300+88.8% |
| Admin fee / account holder | $5,757 | $7,953-27.6% | $12,993-55.7% | $6,925-16.9% |