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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 | $68,635 | $85,766-20.0% | $136,297-49.6% | $70,124-2.1% |
| Participation rate | 90.9% | 74.2%+16.8pp | 81.9%+9.0pp | 69.5%+21.4pp |
| Annual return | 17.87% | 31.45%-13.6pp | 5156.19%-5138.3pp | 73.14%-55.3pp |
| Employer contribution / active EE | $5,994 | $2,966+102.1% | $4,696+27.7% | $2,342+155.9% |
| Participant deferral / active EE | $8,955 | $5,051+77.3% | $6,247+43.3% | $3,332+168.8% |
| Admin fee / account holder | $6,312 | $5,420+16.4% | $9,244-31.7% | $4,645+35.9% |