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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 | $38,044 | $80,985-53.0% | $96,576-60.6% | $75,181-49.4% |
| Participation rate | 93.0% | 71.8%+21.2pp | 76.0%+17.0pp | 67.2%+25.8pp |
| Annual return | 58.75% | 27.05%+31.7pp | 25.87%+32.9pp | 160.69%-101.9pp |
| Employer contribution / active EE | $4,951 | $2,282+116.9% | $2,965+67.0% | $2,671+85.4% |
| Participant deferral / active EE | $14,992 | $3,929+281.6% | $4,851+209.0% | $4,126+263.4% |
| Admin fee / account holder | $1,492 | $6,719-77.8% | $8,253-81.9% | $5,650-73.6% |