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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 | $81,219 | $96,388-15.7% | $80,627+0.7% | $139,466-41.8% |
| Participation rate | 88.9% | 73.6%+15.2pp | 67.0%+21.9pp | 80.3%+8.6pp |
| Annual return | 15.77% | 1352.08%-1336.3pp | 936.76%-921.0pp | 373.66%-357.9pp |
| Employer contribution / active EE | $3,316 | $3,260+1.7% | $2,723+21.8% | $4,754-30.2% |
| Participant deferral / active EE | $7,921 | $5,224+51.6% | $4,443+78.3% | $6,712+18.0% |
| Admin fee / account holder | $720 | $6,603-89.1% | $5,381-86.6% | $11,409-93.7% |