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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 | $123,450 | $85,171+44.9% | $172,753-28.5% | $72,976+69.2% |
| Participation rate | 96.4% | 70.1%+26.4pp | 82.6%+13.8pp | 69.5%+26.9pp |
| Annual return | 23.18% | 27.32%-4.1pp | 803.00%-779.8pp | 81.02%-57.8pp |
| Employer contribution / active EE | $5,564 | $3,324+67.4% | $5,144+8.2% | $2,440+128.0% |
| Participant deferral / active EE | $5,996 | $3,260+83.9% | $5,198+15.4% | $3,608+66.2% |
| Admin fee / account holder | $3,813 | $5,880-35.2% | $13,956-72.7% | $5,124-25.6% |