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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 | $115,679 | $85,766+34.9% | $136,298-15.1% | $70,126+65.0% |
| Participation rate | 77.4% | 74.2%+3.3pp | 81.9%-4.5pp | 69.5%+7.9pp |
| Annual return | 17.22% | 31.46%-14.2pp | 5156.27%-5139.1pp | 73.15%-55.9pp |
| Employer contribution / active EE | $6,452 | $2,966+117.5% | $4,696+37.4% | $2,343+175.4% |
| Participant deferral / active EE | $4,299 | $5,051-14.9% | $6,247-31.2% | $3,332+29.0% |
| Admin fee / account holder | $18,999 | $5,421+250.5% | $9,244+105.5% | $4,645+309.0% |