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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 | $81,535 | $102,422-20.4% | $147,117-44.6% | $80,959+0.7% |
| Participation rate | 94.9% | 75.9%+19.0pp | 82.2%+12.7pp | 67.7%+27.2pp |
| Annual return | 21.45% | 135.16%-113.7pp | 420.54%-399.1pp | 35.67%-14.2pp |
| Employer contribution / active EE | $5,204 | $3,717+40.0% | $4,932+5.5% | $2,757+88.7% |
| Participant deferral / active EE | $11,547 | $6,652+73.6% | $8,065+43.2% | $4,300+168.5% |
| Admin fee / account holder | $307 | $7,953-96.1% | $12,993-97.6% | $6,925-95.6% |