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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 | $60,729 | $58,275+4.2% | $81,844-25.8% | $80,935-25.0% |
| Participation rate | 97.6% | 63.5%+34.2pp | 72.4%+25.2pp | 67.7%+30.0pp |
| Annual return | 17.39% | 41.82%-24.4pp | 778.87%-761.5pp | 35.66%-18.3pp |
| Employer contribution / active EE | $6,342 | $2,346+170.4% | $2,916+117.5% | $2,757+130.1% |
| Participant deferral / active EE | $11,973 | $3,285+264.5% | $4,323+176.9% | $4,299+178.5% |
| Admin fee / account holder | $8,780 | $4,749+84.9% | $7,355+19.4% | $6,924+26.8% |