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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 | $105,965 | $85,766+23.6% | $136,298-22.3% | $70,126+51.1% |
| Participation rate | 93.8% | 74.2%+19.6pp | 81.9%+11.8pp | 69.5%+24.2pp |
| Annual return | 16.44% | 31.46%-15.0pp | 5156.27%-5139.8pp | 73.15%-56.7pp |
| Employer contribution / active EE | $6,136 | $2,966+106.9% | $4,696+30.7% | $2,343+161.9% |
| Participant deferral / active EE | $4,718 | $5,051-6.6% | $6,247-24.5% | $3,332+41.6% |
| Admin fee / account holder | $826 | $5,421-84.8% | $9,244-91.1% | $4,645-82.2% |