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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 | $83,922 | $85,766-2.2% | $136,298-38.4% | $70,126+19.7% |
| Participation rate | 98.0% | 74.2%+23.8pp | 81.9%+16.1pp | 69.5%+28.5pp |
| Annual return | 16.21% | 31.46%-15.2pp | 5156.27%-5140.1pp | 73.15%-56.9pp |
| Employer contribution / active EE | $2,892 | $2,966-2.5% | $4,696-38.4% | $2,343+23.4% |
| Participant deferral / active EE | $9,619 | $5,051+90.4% | $6,247+54.0% | $3,332+188.7% |
| Admin fee / account holder | $14,635 | $5,421+170.0% | $9,244+58.3% | $4,645+215.0% |