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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 | $89,603 | $105,160-14.8% | $94,679-5.4% | $139,456-35.7% |
| Participation rate | 100.0% | 82.4%+17.6pp | 80.8%+19.2pp | 80.3%+19.7pp |
| Annual return | 18.55% | 38.04%-19.5pp | 156.75%-138.2pp | 373.45%-354.9pp |
| Employer contribution / active EE | $3,118 | $4,107-24.1% | $3,673-15.1% | $4,753-34.4% |
| Participant deferral / active EE | $7,591 | $7,599-0.1% | $7,417+2.3% | $6,711+13.1% |
| Admin fee / account holder | $7,263 | $8,988-19.2% | $7,233+0.4% | $11,407-36.3% |