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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 | $39,307 | $85,766-54.2% | $136,297-71.2% | $70,124-43.9% |
| Participation rate | 88.3% | 74.2%+14.2pp | 81.9%+6.4pp | 69.5%+18.8pp |
| Annual return | 43.87% | 31.45%+12.4pp | 5156.19%-5112.3pp | 73.14%-29.3pp |
| Employer contribution / active EE | $2,312 | $2,966-22.1% | $4,696-50.8% | $2,342-1.3% |
| Participant deferral / active EE | $11,485 | $5,051+127.4% | $6,247+83.8% | $3,332+244.7% |
| Admin fee / account holder | $2,037 | $5,420-62.4% | $9,244-78.0% | $4,645-56.1% |