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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 | $130,937 | $61,125+114.2% | $94,057+39.2% | $87,485+49.7% |
| Participation rate | 90.0% | 64.1%+25.9pp | 73.3%+16.7pp | 68.9%+21.1pp |
| Annual return | 13.87% | 35.20%-21.3pp | 480.62%-466.8pp | 26.06%-12.2pp |
| Employer contribution / active EE | $4,203 | $2,136+96.7% | $2,933+43.3% | $2,596+61.9% |
| Participant deferral / active EE | $10,619 | $3,260+225.7% | $4,709+125.5% | $4,274+148.5% |
| Admin fee / account holder | $3,069 | $5,629-45.5% | $7,244-57.6% | $7,775-60.5% |