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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 | $55,440 | $102,422-45.9% | $147,117-62.3% | $80,959-31.5% |
| Participation rate | 96.7% | 75.9%+20.8pp | 82.2%+14.5pp | 67.7%+29.0pp |
| Annual return | 13.37% | 135.16%-121.8pp | 420.54%-407.2pp | 35.67%-22.3pp |
| Employer contribution / active EE | $4,006 | $3,717+7.8% | $4,932-18.8% | $2,757+45.3% |
| Participant deferral / active EE | $12,439 | $6,652+87.0% | $8,065+54.2% | $4,300+189.3% |
| Admin fee / account holder | $6,177 | $7,953-22.3% | $12,993-52.5% | $6,925-10.8% |