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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 | $52,048 | $85,766-39.3% | $136,297-61.8% | $70,131-25.8% |
| Participation rate | 93.1% | 74.2%+18.9pp | 81.9%+11.1pp | 69.5%+23.5pp |
| Annual return | 21.92% | 31.45%-9.5pp | 5156.16%-5134.2pp | 73.14%-51.2pp |
| Employer contribution / active EE | $4,191 | $2,966+41.3% | $4,696-10.7% | $2,342+78.9% |
| Participant deferral / active EE | $9,167 | $5,051+81.5% | $6,247+46.7% | $3,332+175.1% |
| Admin fee / account holder | $3,402 | $5,420-37.2% | $9,244-63.2% | $4,645-26.8% |