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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 | $75,290 | $85,766-12.2% | $136,298-44.8% | $70,126+7.4% |
| Participation rate | 88.2% | 74.2%+14.1pp | 81.9%+6.3pp | 69.5%+18.7pp |
| Annual return | 17.67% | 31.46%-13.8pp | 5156.27%-5138.6pp | 73.15%-55.5pp |
| Employer contribution / active EE | $2,610 | $2,966-12.0% | $4,696-44.4% | $2,343+11.4% |
| Participant deferral / active EE | $2,684 | $5,051-46.9% | $6,247-57.0% | $3,332-19.5% |
| Admin fee / account holder | $676 | $5,421-87.5% | $9,244-92.7% | $4,645-85.4% |