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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 | $35,619 | $105,198-66.1% | $159,455-77.7% | $85,856-58.5% |
| Participation rate | 83.3% | 75.8%+7.6pp | 82.8%+0.5pp | 69.3%+14.0pp |
| Annual return | 18.81% | 45.08%-26.3pp | 263.63%-244.8pp | 318.58%-299.8pp |
| Employer contribution / active EE | $3,797 | $3,319+14.4% | $4,830-21.4% | $2,565+48.0% |
| Participant deferral / active EE | $8,037 | $5,946+35.2% | $7,353+9.3% | $3,952+103.4% |
| Admin fee / account holder | $6,781 | $6,934-2.2% | $10,800-37.2% | $6,261+8.3% |