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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 | $96,988 | $155,833-37.8% | $124,693-22.2% | $167,518-42.1% |
| Participation rate | 88.9% | 81.1%+7.8pp | 74.6%+14.3pp | 82.1%+6.8pp |
| Annual return | 10.53% | 17.98%-7.4pp | 5144.19%-5133.7pp | 478.71%-468.2pp |
| Employer contribution / active EE | $6,997 | $4,164+68.0% | $3,324+110.5% | $4,838+44.6% |
| Participant deferral / active EE | $5,187 | $5,675-8.6% | $4,615+12.4% | $6,342-18.2% |
| Admin fee / account holder | $5,793 | $9,534-39.2% | $7,494-22.7% | $12,312-52.9% |