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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 | $54,756 | $58,241-6.0% | $81,780-33.0% | $80,911-32.3% |
| Participation rate | 90.2% | 63.4%+26.8pp | 72.4%+17.9pp | 67.6%+22.6pp |
| Annual return | 12.61% | 41.73%-29.1pp | 776.27%-763.7pp | 35.63%-23.0pp |
| Employer contribution / active EE | $520 | $2,343-77.8% | $2,914-82.2% | $2,756-81.1% |
| Participant deferral / active EE | $4,310 | $3,283+31.3% | $4,321-0.2% | $4,297+0.3% |
| Admin fee / account holder | $700 | $4,973-85.9% | $7,384-90.5% | $6,935-89.9% |