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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 | $101,528 | $102,385-0.8% | $147,080-31.0% | $80,935+25.4% |
| Participation rate | 97.4% | 75.9%+21.6pp | 82.2%+15.3pp | 67.7%+29.8pp |
| Annual return | 15.48% | 135.09%-119.6pp | 420.17%-404.7pp | 35.66%-20.2pp |
| Employer contribution / active EE | $2,349 | $3,717-36.8% | $4,933-52.4% | $2,757-14.8% |
| Participant deferral / active EE | $8,325 | $6,651+25.2% | $8,066+3.2% | $4,299+93.6% |
| Admin fee / account holder | $5,789 | $7,951-27.2% | $12,989-55.4% | $6,924-16.4% |