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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 | $48,277+100.1% | $67,511+43.1% | $80,874+19.4% |
| Participation rate | 98.0% | 66.4%+31.7pp | 72.9%+25.2pp | 67.6%+30.4pp |
| Annual return | 12.48% | 18.27%-5.8pp | 3517.41%-3504.9pp | 35.62%-23.1pp |
| Employer contribution / active EE | $4,635 | $2,021+129.3% | $2,733+69.6% | $2,756+68.2% |
| Participant deferral / active EE | $3,124 | $2,926+6.8% | $4,000-21.9% | $4,297-27.3% |
| Admin fee / account holder | $2,174 | $3,687-41.0% | $3,999-45.6% | $6,935-68.6% |