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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 | $73,011 | $85,766-14.9% | $136,298-46.4% | $70,126+4.1% |
| Participation rate | 85.2% | 74.2%+11.0pp | 81.9%+3.3pp | 69.5%+15.6pp |
| Annual return | 15.70% | 31.46%-15.8pp | 5156.27%-5140.6pp | 73.15%-57.5pp |
| Employer contribution / active EE | $3,202 | $2,966+7.9% | $4,696-31.8% | $2,343+36.7% |
| Participant deferral / active EE | $8,397 | $5,051+66.2% | $6,247+34.4% | $3,332+152.0% |
| Admin fee / account holder | $9,827 | $5,421+81.3% | $9,244+6.3% | $4,645+111.5% |