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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 | $83,329 | $88,778-6.1% | $81,844+1.8% | $145,884-42.9% |
| Participation rate | 90.0% | 75.1%+14.9pp | 72.4%+17.6pp | 80.3%+9.7pp |
| Annual return | 12.43% | 1033.03%-1020.6pp | 778.87%-766.4pp | 551.85%-539.4pp |
| Employer contribution / active EE | $2,551 | $3,087-17.4% | $2,916-12.5% | $4,662-45.3% |
| Participant deferral / active EE | $5,163 | $4,648+11.1% | $4,323+19.4% | $6,690-22.8% |
| Admin fee / account holder | $704 | $8,430-91.6% | $7,355-90.4% | $13,392-94.7% |