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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 | $50,026 | $58,258-14.1% | $81,820-38.9% | $80,925-38.2% |
| Participation rate | 81.0% | 63.5%+17.5pp | 72.4%+8.6pp | 67.7%+13.3pp |
| Annual return | 15.85% | 41.76%-25.9pp | 777.93%-762.1pp | 35.65%-19.8pp |
| Employer contribution / active EE | $3,128 | $2,345+33.4% | $2,915+7.3% | $2,756+13.5% |
| Participant deferral / active EE | $4,217 | $3,284+28.4% | $4,323-2.5% | $4,299-1.9% |
| Admin fee / account holder | $7,800 | $4,976+56.7% | $7,391+5.5% | $6,940+12.4% |