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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 | $81,064 | $85,766-5.5% | $136,298-40.5% | $70,126+15.6% |
| Participation rate | 84.8% | 74.2%+10.7pp | 81.9%+2.9pp | 69.5%+15.3pp |
| Annual return | 21.34% | 31.46%-10.1pp | 5156.27%-5134.9pp | 73.15%-51.8pp |
| Employer contribution / active EE | $3,941 | $2,966+32.9% | $4,696-16.1% | $2,343+68.2% |
| Participant deferral / active EE | $8,098 | $5,051+60.3% | $6,247+29.6% | $3,332+143.1% |
| Admin fee / account holder | $774 | $5,421-85.7% | $9,244-91.6% | $4,645-83.3% |