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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 | $26,469 | $85,171-68.9% | $172,752-84.7% | $72,975-63.7% |
| Participation rate | 79.3% | 70.1%+9.2pp | 82.6%-3.3pp | 69.5%+9.8pp |
| Annual return | 24.75% | 27.32%-2.6pp | 802.97%-778.2pp | 81.01%-56.3pp |
| Employer contribution / active EE | $1,862 | $3,324-44.0% | $5,144-63.8% | $2,440-23.7% |
| Participant deferral / active EE | $4,005 | $3,260+22.9% | $5,198-22.9% | $3,608+11.0% |
| Admin fee / account holder | $2,240 | $5,880-61.9% | $13,955-83.9% | $5,124-56.3% |