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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 | $91,671 | $102,429-10.5% | $147,096-37.7% | $80,925+13.3% |
| Participation rate | 72.1% | 75.9%-3.7pp | 82.2%-10.0pp | 67.7%+4.5pp |
| Annual return | 13.78% | 135.02%-121.2pp | 419.75%-406.0pp | 35.65%-21.9pp |
| Employer contribution / active EE | $0 | $3,716-100.0% | $4,936-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $7,951 | $6,649+19.6% | $8,071-1.5% | $4,299+85.0% |
| Admin fee / account holder | $19,880 | $7,957+149.8% | $13,005+52.9% | $6,940+186.4% |