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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 | $85,369 | $85,766-0.5% | $136,298-37.4% | $70,126+21.7% |
| Participation rate | 88.7% | 74.2%+14.5pp | 81.9%+6.8pp | 69.5%+19.1pp |
| Annual return | 17.13% | 31.46%-14.3pp | 5156.27%-5139.1pp | 73.15%-56.0pp |
| Employer contribution / active EE | $2,851 | $2,966-3.9% | $4,696-39.3% | $2,343+21.7% |
| Participant deferral / active EE | $4,705 | $5,051-6.9% | $6,247-24.7% | $3,332+41.2% |
| Admin fee / account holder | $5,063 | $5,421-6.6% | $9,244-45.2% | $4,645+9.0% |