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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 | $58,311+18.5% | $81,882-15.6% | $80,959-14.6% |
| Participation rate | 92.1% | 63.5%+28.6pp | 72.4%+19.7pp | 67.7%+24.4pp |
| Annual return | 11.86% | 41.85%-30.0pp | 779.47%-767.6pp | 35.67%-23.8pp |
| Employer contribution / active EE | $4,651 | $2,347+98.2% | $2,916+59.5% | $2,757+68.7% |
| Participant deferral / active EE | $7,784 | $3,287+136.8% | $4,323+80.1% | $4,300+81.0% |
| Admin fee / account holder | $5,311 | $4,752+11.8% | $7,360-27.8% | $6,925-23.3% |