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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 | $58,741 | $98,766-40.5% | $149,730-60.8% | $79,852-26.4% |
| Participation rate | 94.8% | 75.8%+19.0pp | 82.5%+12.3pp | 69.6%+25.2pp |
| Annual return | 20.83% | 27.43%-6.6pp | 276.70%-255.9pp | 31.72%-10.9pp |
| Employer contribution / active EE | $5,390 | $3,217+67.5% | $4,645+16.0% | $2,471+118.1% |
| Participant deferral / active EE | $11,947 | $5,681+110.3% | $6,843+74.6% | $3,740+219.4% |
| Admin fee / account holder | $2,232 | $6,052-63.1% | $9,310-76.0% | $5,306-57.9% |