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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 | $48,337+16.9% | $67,560-16.4% | $80,959-30.2% |
| Participation rate | 85.7% | 66.4%+19.3pp | 72.9%+12.8pp | 67.7%+18.0pp |
| Annual return | 12.17% | 18.26%-6.1pp | 3533.50%-3521.3pp | 35.67%-23.5pp |
| Employer contribution / active EE | $3,887 | $2,023+92.2% | $2,737+42.0% | $2,757+41.0% |
| Participant deferral / active EE | $7,862 | $2,928+168.5% | $4,004+96.3% | $4,300+82.8% |
| Admin fee / account holder | $424 | $3,695-88.5% | $3,994-89.4% | $6,925-93.9% |