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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 | $69,609 | $112,099-37.9% | $95,954-27.5% | $158,931-56.2% |
| Participation rate | 100.0% | 79.0%+21.0pp | 77.1%+22.9pp | 82.0%+18.0pp |
| Annual return | 13.33% | 171.12%-157.8pp | 91.62%-78.3pp | 302.86%-289.5pp |
| Employer contribution / active EE | $2,050 | $3,198-35.9% | $2,541-19.3% | $4,761-56.9% |
| Participant deferral / active EE | $7,660 | $4,784+60.1% | $4,167+83.8% | $5,982+28.0% |
| Admin fee / account holder | $4,504 | $10,132-55.5% | $6,796-33.7% | $11,247-59.9% |