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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 | $125,077 | $82,678+51.3% | $125,391-0.3% | $68,490+82.6% |
| Participation rate | 77.4% | 75.1%+2.4pp | 82.4%-5.0pp | 67.9%+9.5pp |
| Annual return | 9.82% | -5.97%+15.8pp | 572.41%-562.6pp | -7.85%+17.7pp |
| Employer contribution / active EE | $5,912 | $3,382+74.8% | $4,816+22.8% | $2,597+127.7% |
| Participant deferral / active EE | $10,047 | $6,111+64.4% | $7,448+34.9% | $4,028+149.5% |
| Admin fee / account holder | $25,062 | $6,277+299.2% | $10,009+150.4% | $5,403+363.9% |