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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 | $99,277 | $105,198-5.6% | $159,455-37.7% | $85,856+15.6% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.8%+17.2pp | 69.3%+30.7pp |
| Annual return | 14.23% | 45.08%-30.8pp | 263.63%-249.4pp | 318.58%-304.4pp |
| Employer contribution / active EE | $3,407 | $3,319+2.7% | $4,830-29.5% | $2,565+32.8% |
| Participant deferral / active EE | $5,167 | $5,946-13.1% | $7,353-29.7% | $3,952+30.7% |
| Admin fee / account holder | $2,989 | $6,934-56.9% | $10,800-72.3% | $6,261-52.3% |