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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 | $77,478 | $85,766-9.7% | $136,298-43.2% | $70,126+10.5% |
| Participation rate | 84.8% | 74.2%+10.7pp | 81.9%+2.9pp | 69.5%+15.3pp |
| Annual return | 19.89% | 31.46%-11.6pp | 5156.27%-5136.4pp | 73.15%-53.3pp |
| Employer contribution / active EE | $1,876 | $2,966-36.8% | $4,696-60.1% | $2,343-19.9% |
| Participant deferral / active EE | $4,660 | $5,051-7.7% | $6,247-25.4% | $3,332+39.9% |
| Admin fee / account holder | $2,204 | $5,421-59.3% | $9,244-76.2% | $4,645-52.6% |