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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 | $40,232 | $85,766-53.1% | $136,298-70.5% | $70,126-42.6% |
| Participation rate | 73.3% | 74.2%-0.8pp | 81.9%-8.6pp | 69.5%+3.8pp |
| Annual return | 40.40% | 31.46%+8.9pp | 5156.27%-5115.9pp | 73.15%-32.8pp |
| Employer contribution / active EE | $3,416 | $2,966+15.2% | $4,696-27.3% | $2,343+45.8% |
| Participant deferral / active EE | $4,839 | $5,051-4.2% | $6,247-22.5% | $3,332+45.2% |
| Admin fee / account holder | $644 | $5,421-88.1% | $9,244-93.0% | $4,645-86.1% |