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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 | $71,430 | $102,393-30.2% | $147,041-51.4% | $80,911-11.7% |
| Participation rate | 71.0% | 75.9%-4.8pp | 82.2%-11.2pp | 67.6%+3.4pp |
| Annual return | 14.90% | 134.95%-120.1pp | 419.21%-404.3pp | 35.63%-20.7pp |
| Employer contribution / active EE | $2,887 | $3,715-22.3% | $4,935-41.5% | $2,756+4.8% |
| Participant deferral / active EE | $7,916 | $6,647+19.1% | $8,071-1.9% | $4,297+84.2% |
| Admin fee / account holder | $9,062 | $7,943+14.1% | $13,006-30.3% | $6,935+30.7% |