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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 | $71,406 | $102,393-30.3% | $147,041-51.4% | $80,911-11.7% |
| Participation rate | 89.7% | 75.9%+13.8pp | 82.2%+7.5pp | 67.6%+22.0pp |
| Annual return | 12.85% | 134.95%-122.1pp | 419.21%-406.4pp | 35.63%-22.8pp |
| Employer contribution / active EE | $3,699 | $3,715-0.4% | $4,935-25.1% | $2,756+34.2% |
| Participant deferral / active EE | $9,090 | $6,647+36.7% | $8,071+12.6% | $4,297+111.5% |
| Admin fee / account holder | $20,433 | $7,943+157.2% | $13,006+57.1% | $6,935+194.7% |