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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 | $72,648 | $85,766-15.3% | $136,298-46.7% | $70,126+3.6% |
| Participation rate | 73.5% | 74.2%-0.6pp | 81.9%-8.4pp | 69.5%+4.0pp |
| Annual return | 19.77% | 31.46%-11.7pp | 5156.27%-5136.5pp | 73.15%-53.4pp |
| Employer contribution / active EE | $2,322 | $2,966-21.7% | $4,696-50.5% | $2,343-0.9% |
| Participant deferral / active EE | $4,825 | $5,051-4.5% | $6,247-22.8% | $3,332+44.8% |
| Admin fee / account holder | $2,842 | $5,421-47.6% | $9,244-69.3% | $4,645-38.8% |