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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 | $83,208 | $63,346+31.4% | $92,239-9.8% | $70,124+18.7% |
| Participation rate | 92.3% | 68.7%+23.6pp | 76.5%+15.8pp | 69.5%+22.8pp |
| Annual return | 13.23% | 530.19%-517.0pp | 176.29%-163.1pp | 73.14%-59.9pp |
| Employer contribution / active EE | $5,153 | $2,471+108.5% | $3,680+40.0% | $2,342+120.0% |
| Participant deferral / active EE | $6,413 | $2,854+124.7% | $3,897+64.6% | $3,332+92.5% |
| Admin fee / account holder | $1,115 | $3,841-71.0% | $5,194-78.5% | $4,645-76.0% |