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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 | $73,572 | $85,766-14.2% | $136,298-46.0% | $70,126+4.9% |
| Participation rate | 88.9% | 74.2%+14.7pp | 81.9%+7.0pp | 69.5%+19.3pp |
| Annual return | 15.94% | 31.46%-15.5pp | 5156.27%-5140.3pp | 73.15%-57.2pp |
| Employer contribution / active EE | $1,253 | $2,966-57.7% | $4,696-73.3% | $2,343-46.5% |
| Participant deferral / active EE | $5,612 | $5,051+11.1% | $6,247-10.2% | $3,332+68.4% |
| Admin fee / account holder | $898 | $5,421-83.4% | $9,244-90.3% | $4,645-80.7% |