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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 | $91,949 | $100,139-8.2% | $85,187+7.9% | $145,884-37.0% |
| Participation rate | 100.0% | 74.1%+25.9pp | 67.5%+32.5pp | 80.3%+19.7pp |
| Annual return | 13.36% | 84.15%-70.8pp | 66.67%-53.3pp | 551.85%-538.5pp |
| Employer contribution / active EE | $3,340 | $3,238+3.1% | $2,732+22.2% | $4,662-28.4% |
| Participant deferral / active EE | $9,722 | $5,296+83.6% | $4,525+114.8% | $6,690+45.3% |
| Admin fee / account holder | $896 | $7,262-87.7% | $6,162-85.5% | $13,392-93.3% |