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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 | $45,991 | $105,198-56.3% | $159,455-71.2% | $85,856-46.4% |
| Participation rate | 96.3% | 75.8%+20.5pp | 82.8%+13.5pp | 69.3%+27.0pp |
| Annual return | 13.19% | 45.08%-31.9pp | 263.63%-250.4pp | 318.58%-305.4pp |
| Employer contribution / active EE | $4,218 | $3,319+27.1% | $4,830-12.7% | $2,565+64.4% |
| Participant deferral / active EE | $7,699 | $5,946+29.5% | $7,353+4.7% | $3,952+94.8% |
| Admin fee / account holder | $593 | $6,934-91.4% | $10,800-94.5% | $6,261-90.5% |