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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 | $74,184 | $58,241+27.4% | $81,780-9.3% | $80,911-8.3% |
| Participation rate | 79.3% | 63.4%+15.9pp | 72.4%+6.9pp | 67.6%+11.7pp |
| Annual return | 11.31% | 41.73%-30.4pp | 776.27%-765.0pp | 35.63%-24.3pp |
| Employer contribution / active EE | $2,774 | $2,343+18.4% | $2,914-4.8% | $2,756+0.7% |
| Participant deferral / active EE | $4,390 | $3,283+33.7% | $4,321+1.6% | $4,297+2.2% |
| Admin fee / account holder | $3,826 | $4,973-23.1% | $7,384-48.2% | $6,935-44.8% |