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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 | $89,489 | $102,382-12.6% | $147,005-39.1% | $80,874+10.7% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.2%+17.8pp | 67.6%+32.4pp |
| Annual return | 16.05% | 134.89%-118.8pp | 418.76%-402.7pp | 35.62%-19.6pp |
| Employer contribution / active EE | $3,950 | $3,715+6.3% | $4,934-19.9% | $2,756+43.4% |
| Participant deferral / active EE | $6,922 | $6,646+4.1% | $8,070-14.2% | $4,297+61.1% |
| Admin fee / account holder | $5,680 | $7,942-28.5% | $13,006-56.3% | $6,935-18.1% |