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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 | $58,823 | $85,766-31.4% | $136,298-56.8% | $70,126-16.1% |
| Participation rate | 94.7% | 74.2%+20.6pp | 81.9%+12.8pp | 69.5%+25.2pp |
| Annual return | 17.06% | 31.46%-14.4pp | 5156.27%-5139.2pp | 73.15%-56.1pp |
| Employer contribution / active EE | $10,702 | $2,966+260.8% | $4,696+127.9% | $2,343+356.9% |
| Participant deferral / active EE | $6,207 | $5,051+22.9% | $6,247-0.6% | $3,332+86.3% |
| Admin fee / account holder | $1,726 | $5,421-68.2% | $9,244-81.3% | $4,645-62.8% |