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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 | $87,166 | $55,457+57.2% | $77,361+12.7% | $94,015-7.3% |
| Participation rate | 96.2% | 69.8%+26.3pp | 75.0%+21.2pp | 70.8%+25.3pp |
| Annual return | 13.15% | 15.57%-2.4pp | 1011.54%-998.4pp | 17.84%-4.7pp |
| Employer contribution / active EE | $5,077 | $2,255+125.2% | $2,990+69.8% | $2,790+82.0% |
| Participant deferral / active EE | $3,001 | $3,069-2.2% | $3,911-23.3% | $4,249-29.4% |
| Admin fee / account holder | $1,234 | $4,334-71.5% | $5,894-79.1% | $8,951-86.2% |