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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 | $69,100 | $58,258+18.6% | $81,820-15.5% | $80,925-14.6% |
| Participation rate | 92.1% | 63.5%+28.6pp | 72.4%+19.7pp | 67.7%+24.4pp |
| Annual return | 11.86% | 41.76%-29.9pp | 777.93%-766.1pp | 35.65%-23.8pp |
| Employer contribution / active EE | $4,651 | $2,345+98.3% | $2,915+59.6% | $2,756+68.8% |
| Participant deferral / active EE | $7,784 | $3,284+137.0% | $4,323+80.1% | $4,299+81.1% |
| Admin fee / account holder | $5,311 | $4,976+6.7% | $7,391-28.1% | $6,940-23.5% |