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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 | $82,741 | $85,766-3.5% | $136,298-39.3% | $70,126+18.0% |
| Participation rate | 86.4% | 74.2%+12.2pp | 81.9%+4.4pp | 69.5%+16.8pp |
| Annual return | 15.64% | 31.46%-15.8pp | 5156.27%-5140.6pp | 73.15%-57.5pp |
| Employer contribution / active EE | $7,004 | $2,966+136.2% | $4,696+49.2% | $2,343+199.0% |
| Participant deferral / active EE | $9,220 | $5,051+82.5% | $6,247+47.6% | $3,332+176.7% |
| Admin fee / account holder | $8,270 | $5,421+52.6% | $9,244-10.5% | $4,645+78.0% |