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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 | $106,739 | $63,342+68.5% | $92,236+15.7% | $70,131+52.2% |
| Participation rate | 96.2% | 68.7%+27.5pp | 76.5%+19.7pp | 69.5%+26.6pp |
| Annual return | 14.75% | 530.15%-515.4pp | 176.29%-161.5pp | 73.14%-58.4pp |
| Employer contribution / active EE | $1,740 | $2,471-29.6% | $3,679-52.7% | $2,342-25.7% |
| Participant deferral / active EE | $3,479 | $2,854+21.9% | $3,897-10.7% | $3,332+4.4% |
| Admin fee / account holder | $4,073 | $3,840+6.0% | $5,194-21.6% | $4,645-12.3% |