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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 | $29,465 | $85,766-65.6% | $136,298-78.4% | $70,126-58.0% |
| Participation rate | 75.0% | 74.2%+0.8pp | 81.9%-6.9pp | 69.5%+5.5pp |
| Annual return | 15.09% | 31.46%-16.4pp | 5156.27%-5141.2pp | 73.15%-58.1pp |
| Employer contribution / active EE | $3,217 | $2,966+8.5% | $4,696-31.5% | $2,343+37.4% |
| Participant deferral / active EE | $6,621 | $5,051+31.1% | $6,247+6.0% | $3,332+98.7% |
| Admin fee / account holder | $1,663 | $5,421-69.3% | $9,244-82.0% | $4,645-64.2% |