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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 | $82,126 | $85,171-3.6% | $172,752-52.5% | $72,975+12.5% |
| Participation rate | 83.9% | 70.1%+13.8pp | 82.6%+1.2pp | 69.5%+14.4pp |
| Annual return | 23.53% | 27.32%-3.8pp | 802.97%-779.4pp | 81.01%-57.5pp |
| Employer contribution / active EE | $1,533 | $3,324-53.9% | $5,144-70.2% | $2,440-37.2% |
| Participant deferral / active EE | $2,152 | $3,260-34.0% | $5,198-58.6% | $3,608-40.3% |
| Admin fee / account holder | $4,116 | $5,880-30.0% | $13,955-70.5% | $5,124-19.7% |