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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 | $108,781 | $99,079+9.8% | $78,002+39.5% | $273,972-60.3% |
| Participation rate | 100.0% | 78.6%+21.4pp | 75.5%+24.5pp | 83.0%+17.0pp |
| Annual return | 4.36% | 217.93%-213.6pp | 425.99%-421.6pp | 41.46%-37.1pp |
| Employer contribution / active EE | $2,285 | $3,308-30.9% | $2,470-7.5% | $4,869-53.1% |
| Participant deferral / active EE | $1,382 | $4,306-67.9% | $3,497-60.5% | $5,287-73.9% |
| Admin fee / account holder | $2,579 | $8,954-71.2% | $5,481-52.9% | $10,133-74.5% |