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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 | $56,487 | $48,314+16.9% | $67,561-16.4% | $80,925-30.2% |
| Participation rate | 85.7% | 66.4%+19.3pp | 72.9%+12.8pp | 67.7%+18.1pp |
| Annual return | 12.17% | 18.28%-6.1pp | 3525.44%-3513.3pp | 35.65%-23.5pp |
| Employer contribution / active EE | $3,887 | $2,022+92.3% | $2,735+42.2% | $2,756+41.0% |
| Participant deferral / active EE | $7,862 | $2,927+168.6% | $4,003+96.4% | $4,299+82.9% |
| Admin fee / account holder | $424 | $3,690-88.5% | $4,006-89.4% | $6,940-93.9% |