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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 | $71,077 | $102,429-30.6% | $147,096-51.7% | $80,925-12.2% |
| Participation rate | 90.9% | 75.9%+15.0pp | 82.2%+8.7pp | 67.7%+23.3pp |
| Annual return | 13.24% | 135.02%-121.8pp | 419.75%-406.5pp | 35.65%-22.4pp |
| Employer contribution / active EE | $4,316 | $3,716+16.2% | $4,936-12.6% | $2,756+56.6% |
| Participant deferral / active EE | $11,222 | $6,649+68.8% | $8,071+39.0% | $4,299+161.1% |
| Admin fee / account holder | $9,728 | $7,957+22.3% | $13,005-25.2% | $6,940+40.2% |