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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 | $99,787 | $85,766+16.3% | $136,298-26.8% | $70,126+42.3% |
| Participation rate | 89.5% | 74.2%+15.3pp | 81.9%+7.6pp | 69.5%+19.9pp |
| Annual return | 18.22% | 31.46%-13.2pp | 5156.27%-5138.0pp | 73.15%-54.9pp |
| Employer contribution / active EE | $3,284 | $2,966+10.7% | $4,696-30.1% | $2,343+40.2% |
| Participant deferral / active EE | $8,731 | $5,051+72.8% | $6,247+39.8% | $3,332+162.0% |
| Admin fee / account holder | $2,965 | $5,421-45.3% | $9,244-67.9% | $4,645-36.2% |