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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 | $99,048 | $58,311+69.9% | $81,882+21.0% | $80,959+22.3% |
| Participation rate | 86.7% | 63.5%+23.2pp | 72.4%+14.3pp | 67.7%+19.0pp |
| Annual return | 25.38% | 41.85%-16.5pp | 779.47%-754.1pp | 35.67%-10.3pp |
| Employer contribution / active EE | $4,448 | $2,347+89.6% | $2,916+52.5% | $2,757+61.3% |
| Participant deferral / active EE | $7,091 | $3,287+115.7% | $4,323+64.0% | $4,300+64.9% |
| Admin fee / account holder | $3,250 | $4,752-31.6% | $7,360-55.8% | $6,925-53.1% |