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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 | $42,520 | $58,258-27.0% | $81,820-48.0% | $80,925-47.5% |
| Participation rate | 70.0% | 63.5%+6.5pp | 72.4%-2.4pp | 67.7%+2.3pp |
| Annual return | 11.45% | 41.76%-30.3pp | 777.93%-766.5pp | 35.65%-24.2pp |
| Employer contribution / active EE | $1,614 | $2,345-31.2% | $2,915-44.6% | $2,756-41.5% |
| Participant deferral / active EE | $3,616 | $3,284+10.1% | $4,323-16.3% | $4,299-15.9% |
| Admin fee / account holder | $3,873 | $4,976-22.2% | $7,391-47.6% | $6,940-44.2% |