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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 | $76,574 | $150,435-49.1% | $120,580-36.5% | $145,897-47.5% |
| Participation rate | 100.0% | 78.8%+21.2pp | 72.0%+28.0pp | 80.3%+19.7pp |
| Annual return | 12.41% | 154.60%-142.2pp | 107.48%-95.1pp | 552.29%-539.9pp |
| Employer contribution / active EE | $2,904 | $4,352-33.3% | $3,469-16.3% | $4,663-37.7% |
| Participant deferral / active EE | $13,177 | $6,174+113.4% | $4,995+163.8% | $6,689+97.0% |
| Admin fee / account holder | $9,279 | $12,182-23.8% | $9,418-1.5% | $13,390-30.7% |