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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 | $77,176 | $99,079-22.1% | $78,002-1.1% | $273,970-71.8% |
| Participation rate | 77.8% | 78.6%-0.8pp | 75.5%+2.3pp | 83.0%-5.2pp |
| Annual return | 8.66% | 217.93%-209.3pp | 425.99%-417.3pp | 41.46%-32.8pp |
| Employer contribution / active EE | $0 | $3,308-100.0% | $2,470-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $2,579 | $4,306-40.1% | $3,497-26.3% | $5,287-51.2% |
| Admin fee / account holder | $11,288 | $8,954+26.1% | $5,481+105.9% | $10,132+11.4% |