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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 | $106,270 | $109,967-3.4% | $97,197+9.3% | $145,877-27.2% |
| Participation rate | 94.7% | 76.0%+18.8pp | 72.7%+22.0pp | 80.3%+14.4pp |
| Annual return | 12.32% | 244.27%-231.9pp | 75.47%-63.1pp | 551.28%-539.0pp |
| Employer contribution / active EE | $0 | $3,077-100.0% | $2,723-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $5,794 | $4,676+23.9% | $4,263+35.9% | $6,691-13.4% |
| Admin fee / account holder | $9,392 | $6,199+51.5% | $5,637+66.6% | $13,402-29.9% |