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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 | $45,034 | $102,429-56.0% | $147,096-69.4% | $80,925-44.4% |
| Participation rate | 96.8% | 75.9%+20.9pp | 82.2%+14.6pp | 67.7%+29.1pp |
| Annual return | 21.39% | 135.02%-113.6pp | 419.75%-398.4pp | 35.65%-14.3pp |
| Employer contribution / active EE | $5,947 | $3,716+60.1% | $4,936+20.5% | $2,756+115.8% |
| Participant deferral / active EE | $12,742 | $6,649+91.7% | $8,071+57.9% | $4,299+196.4% |
| Admin fee / account holder | $305 | $7,957-96.2% | $13,005-97.7% | $6,940-95.6% |