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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 | $47,945 | $96,136-50.1% | $135,987-64.7% | $80,925-40.8% |
| Participation rate | 96.2% | 71.2%+25.0pp | 76.4%+19.8pp | 67.7%+28.5pp |
| Annual return | 27.04% | 28.70%-1.7pp | 580.01%-553.0pp | 35.65%-8.6pp |
| Employer contribution / active EE | $7,715 | $3,350+130.3% | $4,214+83.1% | $2,756+179.9% |
| Participant deferral / active EE | $14,487 | $5,706+153.9% | $7,027+106.2% | $4,299+237.0% |
| Admin fee / account holder | $4,144 | $8,236-49.7% | $6,716-38.3% | $6,940-40.3% |