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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 | $101,506 | $102,422-0.9% | $147,117-31.0% | $80,959+25.4% |
| Participation rate | 100.0% | 75.9%+24.1pp | 82.2%+17.8pp | 67.7%+32.3pp |
| Annual return | 12.72% | 135.16%-122.4pp | 420.54%-407.8pp | 35.67%-22.9pp |
| Employer contribution / active EE | $2,332 | $3,717-37.3% | $4,932-52.7% | $2,757-15.4% |
| Participant deferral / active EE | $6,078 | $6,652-8.6% | $8,065-24.6% | $4,300+41.3% |
| Admin fee / account holder | $2,069 | $7,953-74.0% | $12,993-84.1% | $6,925-70.1% |