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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 | $73,160 | $85,766-14.7% | $136,297-46.3% | $70,131+4.3% |
| Participation rate | 84.8% | 74.2%+10.7pp | 81.9%+2.9pp | 69.5%+15.3pp |
| Annual return | 29.65% | 31.45%-1.8pp | 5156.16%-5126.5pp | 73.14%-43.5pp |
| Employer contribution / active EE | $2,169 | $2,966-26.9% | $4,696-53.8% | $2,342-7.4% |
| Participant deferral / active EE | $5,955 | $5,051+17.9% | $6,247-4.7% | $3,332+78.7% |
| Admin fee / account holder | $4,974 | $5,420-8.2% | $9,244-46.2% | $4,645+7.1% |