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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 | $84,317 | $85,766-1.7% | $136,297-38.1% | $70,124+20.2% |
| Participation rate | 97.6% | 74.2%+23.4pp | 81.9%+15.6pp | 69.5%+28.0pp |
| Annual return | 17.83% | 31.45%-13.6pp | 5156.19%-5138.4pp | 73.14%-55.3pp |
| Employer contribution / active EE | $2,109 | $2,966-28.9% | $4,696-55.1% | $2,342-10.0% |
| Participant deferral / active EE | $6,564 | $5,051+29.9% | $6,247+5.1% | $3,332+97.0% |
| Admin fee / account holder | $4,434 | $5,420-18.2% | $9,244-52.0% | $4,645-4.5% |