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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 | $61,380 | $67,823-9.5% | $52,425+17.1% | $137,256-55.3% |
| Participation rate | 77.8% | 63.9%+13.9pp | 55.6%+22.2pp | 80.0%-2.2pp |
| Annual return | 18.30% | 219.11%-200.8pp | 302.12%-283.8pp | 220.34%-202.0pp |
| Employer contribution / active EE | $1,961 | $1,163+68.6% | $914+114.5% | $4,156-52.8% |
| Participant deferral / active EE | $11,121 | $2,288+386.1% | $1,790+521.2% | $6,407+73.6% |
| Admin fee / account holder | $1,557 | $2,844-45.3% | $2,495-37.6% | $12,270-87.3% |