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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 | $71,807 | $85,766-16.3% | $136,298-47.3% | $70,126+2.4% |
| Participation rate | 96.2% | 74.2%+22.0pp | 81.9%+14.2pp | 69.5%+26.6pp |
| Annual return | 17.63% | 31.46%-13.8pp | 5156.27%-5138.6pp | 73.15%-55.5pp |
| Employer contribution / active EE | $2,047 | $2,966-31.0% | $4,696-56.4% | $2,343-12.6% |
| Participant deferral / active EE | $5,231 | $5,051+3.5% | $6,247-16.3% | $3,332+57.0% |
| Admin fee / account holder | $1,136 | $5,421-79.1% | $9,244-87.7% | $4,645-75.6% |