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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 | $99,053 | $85,766+15.5% | $136,298-27.3% | $70,126+41.3% |
| Participation rate | 92.0% | 74.2%+17.8pp | 81.9%+10.1pp | 69.5%+22.5pp |
| Annual return | 17.87% | 31.46%-13.6pp | 5156.27%-5138.4pp | 73.15%-55.3pp |
| Employer contribution / active EE | $10,490 | $2,966+253.7% | $4,696+123.4% | $2,343+347.8% |
| Participant deferral / active EE | $5,301 | $5,051+5.0% | $6,247-15.1% | $3,332+59.1% |
| Admin fee / account holder | $1,678 | $5,421-69.0% | $9,244-81.8% | $4,645-63.9% |