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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 | $105,432 | $102,422+2.9% | $147,117-28.3% | $80,959+30.2% |
| Participation rate | 100.0% | 75.9%+24.1pp | 82.2%+17.8pp | 67.7%+32.3pp |
| Annual return | 15.65% | 135.16%-119.5pp | 420.54%-404.9pp | 35.67%-20.0pp |
| Employer contribution / active EE | $1,552 | $3,717-58.3% | $4,932-68.5% | $2,757-43.7% |
| Participant deferral / active EE | $4,556 | $6,652-31.5% | $8,065-43.5% | $4,300+5.9% |
| Admin fee / account holder | $533 | $7,953-93.3% | $12,993-95.9% | $6,925-92.3% |