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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 | $50,162 | $51,638-2.9% | $68,368-26.6% | $82,448-39.2% |
| Participation rate | 97.7% | 63.6%+34.1pp | 73.8%+24.0pp | 68.1%+29.7pp |
| Annual return | 38.45% | 37.53%+0.9pp | 292.57%-254.1pp | 41.64%-3.2pp |
| Employer contribution / active EE | $3,833 | $2,047+87.3% | $2,649+44.7% | $2,551+50.2% |
| Participant deferral / active EE | $8,399 | $2,914+188.3% | $4,123+103.7% | $4,139+102.9% |
| Admin fee / account holder | $6,909 | $4,643+48.8% | $5,150+34.2% | $7,234-4.5% |