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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 | $52,501 | $58,258-9.9% | $81,820-35.8% | $80,925-35.1% |
| Participation rate | 91.1% | 63.5%+27.6pp | 72.4%+18.7pp | 67.7%+23.4pp |
| Annual return | 16.39% | 41.76%-25.4pp | 777.93%-761.5pp | 35.65%-19.3pp |
| Employer contribution / active EE | $3,566 | $2,345+52.1% | $2,915+22.3% | $2,756+29.4% |
| Participant deferral / active EE | $8,670 | $3,284+164.0% | $4,323+100.6% | $4,299+101.7% |
| Admin fee / account holder | $3,247 | $4,976-34.7% | $7,391-56.1% | $6,940-53.2% |