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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 | $77,771 | $85,766-9.3% | $136,298-42.9% | $70,126+10.9% |
| Participation rate | 96.7% | 74.2%+22.5pp | 81.9%+14.7pp | 69.5%+27.1pp |
| Annual return | 18.45% | 31.46%-13.0pp | 5156.27%-5137.8pp | 73.15%-54.7pp |
| Employer contribution / active EE | $4,296 | $2,966+44.8% | $4,696-8.5% | $2,343+83.4% |
| Participant deferral / active EE | $9,888 | $5,051+95.8% | $6,247+58.3% | $3,332+196.8% |
| Admin fee / account holder | $8,792 | $5,421+62.2% | $9,244-4.9% | $4,645+89.3% |