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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 | $48,327+99.9% | $67,575+42.9% | $80,935+19.3% |
| Participation rate | 98.0% | 66.4%+31.6pp | 72.9%+25.1pp | 67.7%+30.4pp |
| Annual return | 12.48% | 18.31%-5.8pp | 3528.98%-3516.5pp | 35.66%-23.2pp |
| Employer contribution / active EE | $4,635 | $2,022+129.2% | $2,736+69.4% | $2,757+68.1% |
| Participant deferral / active EE | $3,124 | $2,927+6.7% | $4,003-22.0% | $4,299-27.3% |
| Admin fee / account holder | $2,174 | $3,692-41.1% | $3,993-45.5% | $6,924-68.6% |