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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 | $43,744 | $85,766-49.0% | $136,298-67.9% | $70,126-37.6% |
| Participation rate | 97.3% | 74.2%+23.1pp | 81.9%+15.4pp | 69.5%+27.8pp |
| Annual return | 16.09% | 31.46%-15.4pp | 5156.27%-5140.2pp | 73.15%-57.1pp |
| Employer contribution / active EE | $4,850 | $2,966+63.5% | $4,696+3.3% | $2,343+107.1% |
| Participant deferral / active EE | $4,715 | $5,051-6.7% | $6,247-24.5% | $3,332+41.5% |
| Admin fee / account holder | $12,517 | $5,421+130.9% | $9,244+35.4% | $4,645+169.4% |