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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 | $63,026 | $93,345-32.5% | $119,126-47.1% | $87,485-28.0% |
| Participation rate | 97.1% | 68.7%+28.4pp | 75.8%+21.4pp | 68.9%+28.2pp |
| Annual return | 12.90% | 19.08%-6.2pp | 282.11%-269.2pp | 26.06%-13.2pp |
| Employer contribution / active EE | $9,580 | $3,172+202.1% | $4,034+137.5% | $2,596+269.0% |
| Participant deferral / active EE | $2,027 | $4,099-50.6% | $5,318-61.9% | $4,274-52.6% |
| Admin fee / account holder | $2,655 | $8,039-67.0% | $10,693-75.2% | $7,775-65.9% |