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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 | $61,282 | $85,766-28.5% | $136,298-55.0% | $70,126-12.6% |
| Participation rate | 92.5% | 74.2%+18.4pp | 81.9%+10.6pp | 69.5%+23.0pp |
| Annual return | 20.85% | 31.46%-10.6pp | 5156.27%-5135.4pp | 73.15%-52.3pp |
| Employer contribution / active EE | $1,864 | $2,966-37.2% | $4,696-60.3% | $2,343-20.4% |
| Participant deferral / active EE | $5,569 | $5,051+10.2% | $6,247-10.9% | $3,332+67.1% |
| Admin fee / account holder | $651 | $5,421-88.0% | $9,244-93.0% | $4,645-86.0% |