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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 | $81,059 | $102,385-20.8% | $147,080-44.9% | $80,935+0.2% |
| Participation rate | 100.0% | 75.9%+24.1pp | 82.2%+17.8pp | 67.7%+32.3pp |
| Annual return | 12.21% | 135.09%-122.9pp | 420.17%-408.0pp | 35.66%-23.5pp |
| Employer contribution / active EE | $2,315 | $3,717-37.7% | $4,933-53.1% | $2,757-16.0% |
| Participant deferral / active EE | $5,199 | $6,651-21.8% | $8,066-35.5% | $4,299+20.9% |
| Admin fee / account holder | $527 | $7,951-93.4% | $12,989-95.9% | $6,924-92.4% |