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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 | $69,556 | $70,366-1.2% | $66,674+4.3% | $138,895-49.9% |
| Participation rate | 100.0% | 76.2%+23.8pp | 73.7%+26.3pp | 79.9%+20.1pp |
| Annual return | 21.23% | 386.41%-365.2pp | 321.24%-300.0pp | 145.39%-124.2pp |
| Employer contribution / active EE | $2,417 | $2,765-12.6% | $2,620-7.8% | $4,194-42.4% |
| Participant deferral / active EE | $7,000 | $4,374+60.0% | $4,084+71.4% | $6,396+9.4% |
| Admin fee / account holder | $345 | $5,262-93.4% | $5,098-93.2% | $12,562-97.3% |