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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 | $65,449 | $105,158-37.8% | $94,672-30.9% | $139,487-53.1% |
| Participation rate | 100.0% | 82.4%+17.6pp | 80.8%+19.2pp | 80.3%+19.7pp |
| Annual return | 15.53% | 38.11%-22.6pp | 156.89%-141.4pp | 373.84%-358.3pp |
| Employer contribution / active EE | $7,272 | $4,107+77.0% | $3,673+98.0% | $4,755+52.9% |
| Participant deferral / active EE | $7,366 | $7,599-3.1% | $7,417-0.7% | $6,713+9.7% |
| Admin fee / account holder | $578 | $8,972-93.6% | $7,222-92.0% | $11,407-94.9% |