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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 | $44,404 | $53,128-16.4% | $86,581-48.7% | $70,124-36.7% |
| Participation rate | 86.5% | 65.3%+21.2pp | 73.5%+12.9pp | 69.5%+16.9pp |
| Annual return | 20.98% | 27.66%-6.7pp | 965.06%-944.1pp | 73.14%-52.2pp |
| Employer contribution / active EE | $3,124 | $2,068+51.1% | $2,840+10.0% | $2,342+33.4% |
| Participant deferral / active EE | $6,562 | $2,695+143.5% | $3,609+81.8% | $3,332+96.9% |
| Admin fee / account holder | $3,480 | $3,584-2.9% | $4,904-29.0% | $4,645-25.1% |