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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 | $88,915 | $56,134+58.4% | $96,171-7.5% | $85,847+3.6% |
| Participation rate | 81.5% | 56.7%+24.8pp | 68.4%+13.0pp | 69.3%+12.2pp |
| Annual return | 16.52% | 42.30%-25.8pp | 192.04%-175.5pp | 318.61%-302.1pp |
| Employer contribution / active EE | $1,621 | $1,620+0.1% | $2,799-42.1% | $2,565-36.8% |
| Participant deferral / active EE | $5,186 | $2,858+81.5% | $4,350+19.2% | $3,952+31.2% |
| Admin fee / account holder | $1,670 | $3,769-55.7% | $5,538-69.8% | $6,261-73.3% |