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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 | $154,821 | $102,385+51.2% | $147,080+5.3% | $80,935+91.3% |
| Participation rate | 90.3% | 75.9%+14.5pp | 82.2%+8.1pp | 67.7%+22.7pp |
| Annual return | 13.91% | 135.09%-121.2pp | 420.17%-406.3pp | 35.66%-21.7pp |
| Employer contribution / active EE | $2,740 | $3,717-26.3% | $4,933-44.5% | $2,757-0.6% |
| Participant deferral / active EE | $8,449 | $6,651+27.0% | $8,066+4.7% | $4,299+96.5% |
| Admin fee / account holder | $4,066 | $7,951-48.9% | $12,989-68.7% | $6,924-41.3% |