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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 | $42,734 | $102,429-58.3% | $147,096-70.9% | $80,925-47.2% |
| Participation rate | 97.4% | 75.9%+21.5pp | 82.2%+15.2pp | 67.7%+29.7pp |
| Annual return | 22.75% | 135.02%-112.3pp | 419.75%-397.0pp | 35.65%-12.9pp |
| Employer contribution / active EE | $12,021 | $3,716+223.5% | $4,936+143.5% | $2,756+336.1% |
| Participant deferral / active EE | $11,864 | $6,649+78.4% | $8,071+47.0% | $4,299+176.0% |
| Admin fee / account holder | $10,703 | $7,957+34.5% | $13,005-17.7% | $6,940+54.2% |