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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 | $97,572 | $102,385-4.7% | $147,080-33.7% | $80,935+20.6% |
| Participation rate | 96.6% | 75.9%+20.7pp | 82.2%+14.4pp | 67.7%+28.9pp |
| Annual return | 16.15% | 135.09%-118.9pp | 420.17%-404.0pp | 35.66%-19.5pp |
| Employer contribution / active EE | $3,216 | $3,717-13.5% | $4,933-34.8% | $2,757+16.7% |
| Participant deferral / active EE | $7,959 | $6,651+19.7% | $8,066-1.3% | $4,299+85.1% |
| Admin fee / account holder | $3,763 | $7,951-52.7% | $12,989-71.0% | $6,924-45.7% |