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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 | $42,629 | $58,241-26.8% | $81,780-47.9% | $80,911-47.3% |
| Participation rate | 91.7% | 63.4%+28.2pp | 72.4%+19.3pp | 67.6%+24.0pp |
| Annual return | 13.46% | 41.73%-28.3pp | 776.27%-762.8pp | 35.63%-22.2pp |
| Employer contribution / active EE | $451 | $2,343-80.8% | $2,914-84.5% | $2,756-83.6% |
| Participant deferral / active EE | $4,557 | $3,283+38.8% | $4,321+5.5% | $4,297+6.0% |
| Admin fee / account holder | $4,854 | $4,973-2.4% | $7,384-34.3% | $6,935-30.0% |