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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 | $52,720 | $58,714-10.2% | $142,874-63.1% | $85,856-38.6% |
| Participation rate | 82.4% | 58.5%+23.9pp | 72.0%+10.4pp | 69.3%+13.0pp |
| Annual return | 21.08% | 27.73%-6.7pp | 5638.58%-5617.5pp | 318.58%-297.5pp |
| Employer contribution / active EE | $2,056 | $1,423+44.5% | $4,145-50.4% | $2,565-19.9% |
| Participant deferral / active EE | $3,390 | $2,608+30.0% | $3,838-11.7% | $3,952-14.2% |
| Admin fee / account holder | $8,095 | $4,241+90.9% | $6,561+23.4% | $6,261+29.3% |