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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 | $102,393-15.8% | $147,041-41.4% | $80,911+6.6% |
| Participation rate | 97.6% | 75.9%+21.8pp | 82.2%+15.5pp | 67.6%+30.0pp |
| Annual return | 15.57% | 134.95%-119.4pp | 419.21%-403.6pp | 35.63%-20.1pp |
| Employer contribution / active EE | $3,952 | $3,715+6.4% | $4,935-19.9% | $2,756+43.4% |
| Participant deferral / active EE | $8,118 | $6,647+22.1% | $8,071+0.6% | $4,297+88.9% |
| Admin fee / account holder | $5,757 | $7,943-27.5% | $13,006-55.7% | $6,935-17.0% |