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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 | $95,649 | $102,422-6.6% | $147,117-35.0% | $80,959+18.1% |
| Participation rate | 91.3% | 75.9%+15.4pp | 82.2%+9.1pp | 67.7%+23.6pp |
| Annual return | 22.32% | 135.16%-112.8pp | 420.54%-398.2pp | 35.67%-13.4pp |
| Employer contribution / active EE | $5,143 | $3,717+38.4% | $4,932+4.3% | $2,757+86.5% |
| Participant deferral / active EE | $11,814 | $6,652+77.6% | $8,065+46.5% | $4,300+174.7% |
| Admin fee / account holder | $10,220 | $7,953+28.5% | $12,993-21.3% | $6,925+47.6% |