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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 | $100,965 | $105,200-4.0% | $159,474-36.7% | $85,847+17.6% |
| Participation rate | 70.4% | 75.8%-5.4pp | 82.8%-12.5pp | 69.3%+1.1pp |
| Annual return | 15.43% | 45.08%-29.7pp | 263.68%-248.3pp | 318.61%-303.2pp |
| Employer contribution / active EE | $0 | $3,319-100.0% | $4,831-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $4,718 | $5,946-20.7% | $7,353-35.8% | $3,952+19.4% |
| Admin fee / account holder | $12,071 | $6,934+74.1% | $10,802+11.7% | $6,261+92.8% |