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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 | $88,402 | $88,672-0.3% | $105,223-16.0% | $82,448+7.2% |
| Participation rate | 100.0% | 67.9%+32.1pp | 75.0%+25.0pp | 68.1%+31.9pp |
| Annual return | 19.67% | 30.86%-11.2pp | 180.65%-161.0pp | 41.64%-22.0pp |
| Employer contribution / active EE | $5,078 | $3,048+66.6% | $3,689+37.7% | $2,551+99.1% |
| Participant deferral / active EE | $10,320 | $4,036+155.7% | $5,072+103.5% | $4,139+149.3% |
| Admin fee / account holder | $2,211 | $7,146-69.1% | $8,859-75.0% | $7,234-69.4% |