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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 | $73,252 | $85,766-14.6% | $136,297-46.3% | $70,124+4.5% |
| Participation rate | 87.5% | 74.2%+13.3pp | 81.9%+5.6pp | 69.5%+18.0pp |
| Annual return | 18.47% | 31.45%-13.0pp | 5156.19%-5137.7pp | 73.14%-54.7pp |
| Employer contribution / active EE | $6,311 | $2,966+112.8% | $4,696+34.4% | $2,342+169.4% |
| Participant deferral / active EE | $7,688 | $5,051+52.2% | $6,247+23.1% | $3,332+130.8% |
| Admin fee / account holder | $457 | $5,420-91.6% | $9,244-95.1% | $4,645-90.2% |