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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 | $83,718 | $85,766-2.4% | $136,298-38.6% | $70,126+19.4% |
| Participation rate | 87.0% | 74.2%+12.8pp | 81.9%+5.0pp | 69.5%+17.4pp |
| Annual return | 17.67% | 31.46%-13.8pp | 5156.27%-5138.6pp | 73.15%-55.5pp |
| Employer contribution / active EE | $3,643 | $2,966+22.8% | $4,696-22.4% | $2,343+55.5% |
| Participant deferral / active EE | $3,669 | $5,051-27.4% | $6,247-41.3% | $3,332+10.1% |
| Admin fee / account holder | $714 | $5,421-86.8% | $9,244-92.3% | $4,645-84.6% |