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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 | $30,801 | $100,073-69.2% | $85,126-63.8% | $145,877-78.9% |
| Participation rate | 71.4% | 74.1%-2.7pp | 67.5%+3.9pp | 80.3%-8.9pp |
| Annual return | 20.71% | 84.11%-63.4pp | 66.63%-45.9pp | 551.28%-530.6pp |
| Employer contribution / active EE | $3,871 | $3,236+19.6% | $2,731+41.7% | $4,663-17.0% |
| Participant deferral / active EE | $4,762 | $5,294-10.1% | $4,523+5.3% | $6,691-28.8% |
| Admin fee / account holder | $811 | $7,261-88.8% | $6,160-86.8% | $13,402-93.9% |