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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 | $69,743 | $29,716+134.7% | $56,077+24.4% | $80,925-13.8% |
| Participation rate | 97.8% | 41.7%+56.1pp | 52.5%+45.3pp | 67.7%+30.2pp |
| Annual return | 12.88% | 35.30%-22.4pp | 1709.28%-1696.4pp | 35.65%-22.8pp |
| Employer contribution / active EE | $5,530 | $671+724.1% | $1,040+431.5% | $2,756+100.6% |
| Participant deferral / active EE | $2,373 | $1,228+93.2% | $1,954+21.4% | $4,299-44.8% |
| Admin fee / account holder | $1,227 | $2,432-49.5% | $2,825-56.5% | $6,940-82.3% |