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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 | $59,246 | $85,766-30.9% | $136,298-56.5% | $70,126-15.5% |
| Participation rate | 96.0% | 74.2%+21.8pp | 81.9%+14.1pp | 69.5%+26.5pp |
| Annual return | 17.55% | 31.46%-13.9pp | 5156.27%-5138.7pp | 73.15%-55.6pp |
| Employer contribution / active EE | $1,208 | $2,966-59.3% | $4,696-74.3% | $2,343-48.4% |
| Participant deferral / active EE | $14,229 | $5,051+181.7% | $6,247+127.8% | $3,332+327.1% |
| Admin fee / account holder | $6,397 | $5,421+18.0% | $9,244-30.8% | $4,645+37.7% |