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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 | $38,996 | $61,605-36.7% | $112,273-65.3% | $75,173-48.1% |
| Participation rate | 92.0% | 61.7%+30.3pp | 72.4%+19.6pp | 67.2%+24.8pp |
| Annual return | 64.26% | 28.47%+35.8pp | 30.23%+34.0pp | 160.72%-96.5pp |
| Employer contribution / active EE | $7,601 | $2,015+277.2% | $3,431+121.5% | $2,671+184.6% |
| Participant deferral / active EE | $9,025 | $3,108+190.4% | $4,800+88.0% | $4,126+118.7% |
| Admin fee / account holder | $376 | $4,862-92.3% | $7,752-95.2% | $5,651-93.3% |