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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 | $64,736 | $102,422-36.8% | $147,117-56.0% | $80,959-20.0% |
| Participation rate | 76.0% | 75.9%+0.1pp | 82.2%-6.2pp | 67.7%+8.3pp |
| Annual return | 13.92% | 135.16%-121.2pp | 420.54%-406.6pp | 35.67%-21.7pp |
| Employer contribution / active EE | $7,626 | $3,717+105.1% | $4,932+54.6% | $2,757+176.6% |
| Participant deferral / active EE | $8,741 | $6,652+31.4% | $8,065+8.4% | $4,300+103.3% |
| Admin fee / account holder | $4,437 | $7,953-44.2% | $12,993-65.9% | $6,925-35.9% |