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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 | $58,877 | $49,891+18.0% | $80,607-27.0% | $75,181-21.7% |
| Participation rate | 88.5% | 55.3%+33.1pp | 67.0%+21.5pp | 67.2%+21.3pp |
| Annual return | 16.12% | 34.67%-18.5pp | 936.11%-920.0pp | 160.69%-144.6pp |
| Employer contribution / active EE | $5,374 | $1,698+216.4% | $2,724+97.3% | $2,671+101.2% |
| Participant deferral / active EE | $8,300 | $2,991+177.5% | $4,448+86.6% | $4,126+101.2% |
| Admin fee / account holder | $531 | $3,578-85.2% | $5,379-90.1% | $5,650-90.6% |