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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 | $94,156 | $102,385-8.0% | $147,080-36.0% | $80,935+16.3% |
| Participation rate | 100.0% | 75.9%+24.1pp | 82.2%+17.8pp | 67.7%+32.3pp |
| Annual return | 14.52% | 135.09%-120.6pp | 420.17%-405.6pp | 35.66%-21.1pp |
| Employer contribution / active EE | $3,640 | $3,717-2.1% | $4,933-26.2% | $2,757+32.1% |
| Participant deferral / active EE | $6,917 | $6,651+4.0% | $8,066-14.2% | $4,299+60.9% |
| Admin fee / account holder | $15,530 | $7,951+95.3% | $12,989+19.6% | $6,924+124.3% |