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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 | $45,809 | $88,815-48.4% | $81,882-44.1% | $145,897-68.6% |
| Participation rate | 80.0% | 75.1%+4.9pp | 72.4%+7.6pp | 80.3%-0.3pp |
| Annual return | 18.13% | 1033.75%-1015.6pp | 779.47%-761.3pp | 552.29%-534.2pp |
| Employer contribution / active EE | $1,496 | $3,086-51.5% | $2,916-48.7% | $4,663-67.9% |
| Participant deferral / active EE | $12,630 | $4,647+171.8% | $4,323+192.2% | $6,689+88.8% |
| Admin fee / account holder | $740 | $8,434-91.2% | $7,360-89.9% | $13,390-94.5% |