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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 | $89,656 | $85,766+4.5% | $136,298-34.2% | $70,126+27.9% |
| Participation rate | 80.0% | 74.2%+5.8pp | 81.9%-1.9pp | 69.5%+10.5pp |
| Annual return | 17.77% | 31.46%-13.7pp | 5156.27%-5138.5pp | 73.15%-55.4pp |
| Employer contribution / active EE | $1,275 | $2,966-57.0% | $4,696-72.8% | $2,343-45.6% |
| Participant deferral / active EE | $5,139 | $5,051+1.7% | $6,247-17.7% | $3,332+54.2% |
| Admin fee / account holder | $941 | $5,421-82.6% | $9,244-89.8% | $4,645-79.7% |