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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 | $31,025 | $48,053-35.4% | $84,628-63.3% | $72,975-57.5% |
| Participation rate | 71.8% | 57.6%+14.2pp | 68.2%+3.5pp | 69.5%+2.3pp |
| Annual return | 30.18% | 37.39%-7.2pp | 258.80%-228.6pp | 81.01%-50.8pp |
| Employer contribution / active EE | $3,130 | $1,602+95.4% | $2,653+18.0% | $2,440+28.3% |
| Participant deferral / active EE | $4,658 | $2,681+73.7% | $3,900+19.4% | $3,608+29.1% |
| Admin fee / account holder | $831 | $3,395-75.5% | $4,914-83.1% | $5,124-83.8% |