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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 | $86,930 | $102,385-15.1% | $147,080-40.9% | $80,935+7.4% |
| Participation rate | 98.0% | 75.9%+22.2pp | 82.2%+15.9pp | 67.7%+30.4pp |
| Annual return | 12.90% | 135.09%-122.2pp | 420.17%-407.3pp | 35.66%-22.8pp |
| Employer contribution / active EE | $0 | $3,717-100.0% | $4,933-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $13,630 | $6,651+104.9% | $8,066+69.0% | $4,299+217.0% |
| Admin fee / account holder | $7,769 | $7,951-2.3% | $12,989-40.2% | $6,924+12.2% |