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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 | $103,912 | $111,878-7.1% | $93,727+10.9% | $145,897-28.8% |
| Participation rate | 100.0% | 74.2%+25.8pp | 68.7%+31.3pp | 80.3%+19.7pp |
| Annual return | 11.61% | 204.28%-192.7pp | 133.83%-122.2pp | 552.29%-540.7pp |
| Employer contribution / active EE | $2,377 | $3,092-23.1% | $2,421-1.8% | $4,663-49.0% |
| Participant deferral / active EE | $7,351 | $4,920+49.4% | $4,417+66.4% | $6,689+9.9% |
| Admin fee / account holder | $797 | $10,256-92.2% | $8,292-90.4% | $13,390-94.0% |