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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 | $49,347 | $99,994-50.6% | $146,647-66.3% | $85,851-42.5% |
| Participation rate | 94.5% | 73.1%+21.5pp | 80.1%+14.5pp | 69.3%+25.2pp |
| Annual return | 15.96% | 18.93%-3.0pp | 22.75%-6.8pp | 318.63%-302.7pp |
| Employer contribution / active EE | $4,659 | $2,559+82.1% | $4,137+12.6% | $2,565+81.6% |
| Participant deferral / active EE | $10,008 | $4,006+149.8% | $5,506+81.8% | $3,952+153.2% |
| Admin fee / account holder | $7,136 | $7,703-7.4% | $10,281-30.6% | $6,261+14.0% |