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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 | $47,152 | $105,200-55.2% | $159,474-70.4% | $85,847-45.1% |
| Participation rate | 83.3% | 75.8%+7.6pp | 82.8%+0.5pp | 69.3%+14.0pp |
| Annual return | 15.89% | 45.08%-29.2pp | 263.68%-247.8pp | 318.61%-302.7pp |
| Employer contribution / active EE | $1,180 | $3,319-64.4% | $4,831-75.6% | $2,565-54.0% |
| Participant deferral / active EE | $3,283 | $5,946-44.8% | $7,353-55.4% | $3,952-16.9% |
| Admin fee / account holder | $460 | $6,934-93.4% | $10,802-95.7% | $6,261-92.7% |