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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 | $58,096 | $85,766-32.3% | $136,298-57.4% | $70,126-17.2% |
| Participation rate | 87.5% | 74.2%+13.3pp | 81.9%+5.6pp | 69.5%+18.0pp |
| Annual return | 16.57% | 31.46%-14.9pp | 5156.27%-5139.7pp | 73.15%-56.6pp |
| Employer contribution / active EE | $3,102 | $2,966+4.6% | $4,696-33.9% | $2,343+32.4% |
| Participant deferral / active EE | $8,102 | $5,051+60.4% | $6,247+29.7% | $3,332+143.2% |
| Admin fee / account holder | $318 | $5,421-94.1% | $9,244-96.6% | $4,645-93.2% |