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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 | $46,002 | $85,766-46.4% | $136,298-66.2% | $70,126-34.4% |
| Participation rate | 96.5% | 74.2%+22.3pp | 81.9%+14.5pp | 69.5%+26.9pp |
| Annual return | 28.13% | 31.46%-3.3pp | 5156.27%-5128.1pp | 73.15%-45.0pp |
| Employer contribution / active EE | $6,777 | $2,966+128.5% | $4,696+44.3% | $2,343+189.3% |
| Participant deferral / active EE | $13,138 | $5,051+160.1% | $6,247+110.3% | $3,332+294.3% |
| Admin fee / account holder | $1,369 | $5,421-74.7% | $9,244-85.2% | $4,645-70.5% |