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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 | $59,624 | $51,638+15.5% | $68,368-12.8% | $82,448-27.7% |
| Participation rate | 95.2% | 63.6%+31.6pp | 73.8%+21.5pp | 68.1%+27.2pp |
| Annual return | 40.05% | 37.53%+2.5pp | 292.57%-252.5pp | 41.64%-1.6pp |
| Employer contribution / active EE | $4,736 | $2,047+131.4% | $2,649+78.8% | $2,551+85.7% |
| Participant deferral / active EE | $13,062 | $2,914+348.3% | $4,123+216.8% | $4,139+215.6% |
| Admin fee / account holder | $8,090 | $4,643+74.2% | $5,150+57.1% | $7,234+11.8% |