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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 | $82,389 | $88,815-7.2% | $81,882+0.6% | $145,897-43.5% |
| Participation rate | 72.7% | 75.1%-2.3pp | 72.4%+0.3pp | 80.3%-7.6pp |
| Annual return | 13.21% | 1033.75%-1020.5pp | 779.47%-766.3pp | 552.29%-539.1pp |
| Employer contribution / active EE | $2,162 | $3,086-29.9% | $2,916-25.8% | $4,663-53.6% |
| Participant deferral / active EE | $4,778 | $4,647+2.8% | $4,323+10.5% | $6,689-28.6% |
| Admin fee / account holder | $839 | $8,434-90.0% | $7,360-88.6% | $13,390-93.7% |