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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 | $74,008 | $85,766-13.7% | $136,298-45.7% | $70,126+5.5% |
| Participation rate | 92.9% | 74.2%+18.7pp | 81.9%+10.9pp | 69.5%+23.3pp |
| Annual return | 24.15% | 31.46%-7.3pp | 5156.27%-5132.1pp | 73.15%-49.0pp |
| Employer contribution / active EE | $4,184 | $2,966+41.1% | $4,696-10.9% | $2,343+78.6% |
| Participant deferral / active EE | $8,587 | $5,051+70.0% | $6,247+37.5% | $3,332+157.7% |
| Admin fee / account holder | $3,591 | $5,421-33.7% | $9,244-61.1% | $4,645-22.7% |