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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 | $91,488 | $105,200-13.0% | $159,474-42.6% | $85,847+6.6% |
| Participation rate | 70.4% | 75.8%-5.4pp | 82.8%-12.5pp | 69.3%+1.1pp |
| Annual return | 12.53% | 45.08%-32.5pp | 263.68%-251.1pp | 318.61%-306.1pp |
| Employer contribution / active EE | $0 | $3,319-100.0% | $4,831-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $10,912 | $5,946+83.5% | $7,353+48.4% | $3,952+176.1% |
| Admin fee / account holder | $6,428 | $6,934-7.3% | $10,802-40.5% | $6,261+2.7% |