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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 | $69,295 | $75,832-8.6% | $147,617-53.1% | $59,633+16.2% |
| Participation rate | 88.9% | 71.6%+17.3pp | 84.6%+4.3pp | 68.7%+20.2pp |
| Annual return | 3.63% | 0.37%+3.3pp | 61.98%-58.3pp | 2041.45%-2037.8pp |
| Employer contribution / active EE | $5,753 | $3,485+65.1% | $5,564+3.4% | $2,203+161.2% |
| Participant deferral / active EE | $4,244 | $3,131+35.6% | $4,895-13.3% | $3,192+33.0% |
| Admin fee / account holder | $3,748 | $5,986-37.4% | $11,612-67.7% | $4,297-12.8% |