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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 | $45,722 | $102,429-55.4% | $147,096-68.9% | $80,925-43.5% |
| Participation rate | 100.0% | 75.9%+24.1pp | 82.2%+17.8pp | 67.7%+32.3pp |
| Annual return | 14.17% | 135.02%-120.9pp | 419.75%-405.6pp | 35.65%-21.5pp |
| Employer contribution / active EE | $3,712 | $3,716-0.1% | $4,936-24.8% | $2,756+34.7% |
| Participant deferral / active EE | $8,042 | $6,649+21.0% | $8,071-0.4% | $4,299+87.1% |
| Admin fee / account holder | $3,915 | $7,957-50.8% | $13,005-69.9% | $6,940-43.6% |