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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 | $96,593 | $48,314+99.9% | $67,561+43.0% | $80,925+19.4% |
| Participation rate | 98.0% | 66.4%+31.6pp | 72.9%+25.1pp | 67.7%+30.4pp |
| Annual return | 12.48% | 18.28%-5.8pp | 3525.44%-3513.0pp | 35.65%-23.2pp |
| Employer contribution / active EE | $4,635 | $2,022+129.3% | $2,735+69.5% | $2,756+68.2% |
| Participant deferral / active EE | $3,124 | $2,927+6.7% | $4,003-22.0% | $4,299-27.3% |
| Admin fee / account holder | $2,174 | $3,690-41.1% | $4,006-45.7% | $6,940-68.7% |