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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 | $105,803 | $115,796-8.6% | $101,264+4.5% | $158,950-33.4% |
| Participation rate | 75.0% | 79.4%-4.4pp | 75.8%-0.8pp | 82.0%-7.0pp |
| Annual return | 11.90% | 56.15%-44.3pp | 46.48%-34.6pp | 302.91%-291.0pp |
| Employer contribution / active EE | $0 | $4,175-100.0% | $3,660-100.0% | $4,762-100.0% |
| Participant deferral / active EE | $3,116 | $4,958-37.2% | $4,370-28.7% | $5,983-47.9% |
| Admin fee / account holder | $2,711 | $7,247-62.6% | $5,947-54.4% | $11,248-75.9% |