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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 | $63,049 | $85,766-26.5% | $136,298-53.7% | $70,126-10.1% |
| Participation rate | 96.2% | 74.2%+22.0pp | 81.9%+14.2pp | 69.5%+26.6pp |
| Annual return | 19.53% | 31.46%-11.9pp | 5156.27%-5136.7pp | 73.15%-53.6pp |
| Employer contribution / active EE | $2,549 | $2,966-14.1% | $4,696-45.7% | $2,343+8.8% |
| Participant deferral / active EE | $5,259 | $5,051+4.1% | $6,247-15.8% | $3,332+57.8% |
| Admin fee / account holder | $1,700 | $5,421-68.6% | $9,244-81.6% | $4,645-63.4% |