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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 | $62,688 | $78,707-20.4% | $117,861-46.8% | $70,126-10.6% |
| Participation rate | 89.7% | 73.2%+16.5pp | 79.7%+10.0pp | 69.5%+20.1pp |
| Annual return | 13.23% | 23.30%-10.1pp | 335.11%-321.9pp | 73.15%-59.9pp |
| Employer contribution / active EE | $7,631 | $2,223+243.2% | $3,786+101.5% | $2,343+225.8% |
| Participant deferral / active EE | $5,277 | $3,297+60.0% | $4,482+17.7% | $3,332+58.4% |
| Admin fee / account holder | $15,769 | $5,066+211.3% | $8,021+96.6% | $4,645+239.5% |