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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 | $47,656 | $85,766-44.4% | $136,297-65.0% | $70,124-32.0% |
| Participation rate | 93.9% | 74.2%+19.8pp | 81.9%+12.0pp | 69.5%+24.4pp |
| Annual return | 23.30% | 31.45%-8.2pp | 5156.19%-5132.9pp | 73.14%-49.8pp |
| Employer contribution / active EE | $2,723 | $2,966-8.2% | $4,696-42.0% | $2,342+16.3% |
| Participant deferral / active EE | $3,229 | $5,051-36.1% | $6,247-48.3% | $3,332-3.1% |
| Admin fee / account holder | $783 | $5,420-85.5% | $9,244-91.5% | $4,645-83.1% |