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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 | $47,126 | $85,766-45.1% | $136,298-65.4% | $70,126-32.8% |
| Participation rate | 90.9% | 74.2%+16.8pp | 81.9%+9.0pp | 69.5%+21.4pp |
| Annual return | 20.53% | 31.46%-10.9pp | 5156.27%-5135.7pp | 73.15%-52.6pp |
| Employer contribution / active EE | $6,226 | $2,966+109.9% | $4,696+32.6% | $2,343+165.8% |
| Participant deferral / active EE | $4,741 | $5,051-6.1% | $6,247-24.1% | $3,332+42.3% |
| Admin fee / account holder | $607 | $5,421-88.8% | $9,244-93.4% | $4,645-86.9% |