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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 | $55,156 | $85,766-35.7% | $136,298-59.5% | $70,126-21.3% |
| Participation rate | 96.6% | 74.2%+22.4pp | 81.9%+14.6pp | 69.5%+27.0pp |
| Annual return | 20.47% | 31.46%-11.0pp | 5156.27%-5135.8pp | 73.15%-52.7pp |
| Employer contribution / active EE | $5,617 | $2,966+89.4% | $4,696+19.6% | $2,343+139.8% |
| Participant deferral / active EE | $4,767 | $5,051-5.6% | $6,247-23.7% | $3,332+43.1% |
| Admin fee / account holder | $1,746 | $5,421-67.8% | $9,244-81.1% | $4,645-62.4% |