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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 | $72,347 | $65,440+10.6% | $98,506-26.6% | $85,851-15.7% |
| Participation rate | 98.3% | 65.0%+33.3pp | 73.3%+24.9pp | 69.3%+29.0pp |
| Annual return | 12.74% | 21.75%-9.0pp | 1494.92%-1482.2pp | 318.63%-305.9pp |
| Employer contribution / active EE | $2,140 | $2,169-1.3% | $2,961-27.7% | $2,565-16.6% |
| Participant deferral / active EE | $2,717 | $3,168-14.2% | $4,277-36.5% | $3,952-31.2% |
| Admin fee / account holder | $2,886 | $4,596-37.2% | $5,955-51.5% | $6,261-53.9% |