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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 | $95,901 | $102,385-6.3% | $147,080-34.8% | $80,935+18.5% |
| Participation rate | 100.0% | 75.9%+24.1pp | 82.2%+17.8pp | 67.7%+32.3pp |
| Annual return | 13.48% | 135.09%-121.6pp | 420.17%-406.7pp | 35.66%-22.2pp |
| Employer contribution / active EE | $6,773 | $3,717+82.2% | $4,933+37.3% | $2,757+145.7% |
| Participant deferral / active EE | $7,313 | $6,651+9.9% | $8,066-9.3% | $4,299+70.1% |
| Admin fee / account holder | $8,314 | $7,951+4.6% | $12,989-36.0% | $6,924+20.1% |